All information about Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. Terms, Conditions and Limitations Apply. The following are ineligible for coverage: Also excluded is loss or damage due to any of the following reasons: Additionally, the maximum protection related to a natural disaster is $500. This influences which products we write about and where and how the product appears on a page. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. We'd love to hear from you, please enter your comments. This information may be different than what you see when you visit a financial institution, service provider or specific products site. The Platinum also offers 90 days of return protection, up to $300 per item. $10,000 per claim, $50,000 per year for the American Express Gold Card, The Platinum Card from American Express and Delta SkyMiles Reserve . Purchases must be made in the U.S. or its territories, Send Money & Split Purchases: Venmo and PayPal, Interested in Amex? Copyright 2018 - 2023 The Ascent. , AmEx purchase protection only covers a maximum of $500 in claims per event. AmEx makes it easy to file a purchase protection claim on its website. Fortunately, American Express offers it as one of its standard perks, including with its cards that don't have an annual fee. To be eligible for purchase protection, you must use an American Express card equipped with this benefit and charge at least a portion of your qualifying purchase to that card. All Rights Reserved. *Eligibility and Benefit level varies by Card. OP}[}Ko? to see if your incident is covered. It isn't and even better, the process is very simple. American Express Purchase Protection - FlyerTalk Forums Is The White Lotus breaking up with Four Seasons ahead of Season 3? In some cases, we receive a commission from our partners; however, our opinions are our own. Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). . At that point, sit back and relax. Here is a list of our partners. The manufacturer was completely unwilling to repair or replace it, but once again I remembered my Amex extended warranty policy and filled out an online claim form. is no longer available through NerdWallet. How does Amex Platinum purchase protection work? Delta SkyMiles Reserve American Express Card. If there is a chance that an item might get broken or stolen, make sure that it is charged to your eligible American Express card. Consider using a card like The Platinum Card from American Express. Earn 80,000 Membership Rewards Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Let's take a look at the current coverage on, holders are covered for up to 90 days from the date of a covered purchase of an eligible item. Items purchased for resale, professional or commercial use. How do I Earn Membership Rewards Points? However, there are plenty of credit cards that offer travel insurance and protections. With this benefit, you're able to claim up to a. Select the Card below to read the full terms and conditions for Return Protection related to that Card. AMEX Purchase Protection Claim - Fill and Sign Printable Template Online If disaster strikes your new laptop, smartphone, jacket, or any other recent purchase, you could get reimbursed courtesy of this American Express card benefit. Learn more. So, checking the terms for your AmEx card when you need coverage is essential. You must file a claim within 30 days of loss through this link or by calling 800-228-6855. Its easy to write off these policies as being too much of a hassle or, conversely, being too good to be true. All information about Amex EveryDay Credit Card has been collected independently by NerdWallet . However, there are varying levels of protection. The other card networks often offer their own purchase protections as part of their network affiliation. Something went wrong. Authorized users are also covered, as long as theyre U.S. residents. After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. In this case, you must purchase an item thats eligible for coverage and the loss cant be due to an excluded reason. Get the latest tips you need to manage your money delivered to you biweekly. Chase, for example, offers purchase protection for up to 120 days on the Chase Freedom Unlimited, Chase Freedom Flex* and Chase Sapphire Preferred Card and Chase Sapphire Reserve. There are some types of purchases that aren't covered by Amex purchase protection. With Amex purchase protection, eligible purchases are insured for up to 90 days against damage, theft, and loss. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required), Annual statement credits with Saks and Uber, Bonus categories leave something to be desired, One of the highest annual fees among premium travel cards, Fee-only vs. commission financial advisor, See Business Insider's list of the best rewards credit cards , Have you ever purchased something and wanted to return it only to find out you were past the return window? Delta SkyMiles Platinum Business American Express Card. How American Express Purchase Protection Works Please try again later. Personal hygiene items or any devices (medical or nonmedical) that have been personally used and could be considered a health risk to others. 1 CLAIM DETAILS 2 DOCUMENT LIST Enter your claim details. $300 Equinox Credit: Get up to $300 back each year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card. War, acts of war or service in the military. The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. This is just one scoring method and a credit card issuer may use another method when considering your application. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. are covered by AmEx's purchase protection coverage. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. This benefit covers eligible items purchased with an eligible American Express card against damage or theft. Check the. Here are our picks for the. Terms apply. See if Youre Pre-Qualified, Credit Intel Financial Education Center. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. Your, Some cards have return protection as an included benefit, and using this perk is especially easy with, This is a valuable benefit to keep in mind with any holiday shopping you plan to do. How Much Does Home Ownership Really Cost? For most people, the purchase protection benefit offered by some credit cards flies under the radar. Delta SkyMiles Reserve Business American Express Card. Here are some tips to help you navigate this growing trend. If I'm on Disability, Can I Still Get a Loan? My next chance to use these benefits came when a computer part failed about a year and a half after purchase and had a warranty of just one year. How do I find and add Amex Offers to my Card? Objects such as motorized vehicles, artwork, gift cards and perishable items like perfume, food, light bulbs and batteries are all typically ineligible for purchase protection coverage. Marriott Bonvoy Brilliant American Express Card. How can I check the status of a claim? - American Express AMERICAN EXPRESS AMEX ASSURANCE COMPANY PO BOX 981553 EL PASO TX 79998-9920 Purchase Protection Claim Form Claim Number: SECTION 1: CARD MEMBER INFORMATION: American Express Card Account Number used to purchase the item: Card Member's Name: State: Phone Number: Email: SECTION 2: PURCHASE INFORMATION: Address: City:Zip: Items damaged by natural disasters are subject to different terms and limits notated in each cards terms and conditions. Everything you need to know about Amex purchase protection United States. Cash Back rewards do not expireas long as your account is open! There are also coverage limits, which depend on the card that you have. Plus, not all damage and losses are covered. You will be asked for a copy of the receipt, your Amex purchase record and the original warranty. Terms apply. An increasing number of brick-and-mortar retailers (from The Home Depot to the Apple Store) will now email you a receipt from the register. And Visa offers Purchase Security to Visa Infinite cardmembers. For rates and fees of the Blue Cash Preferred Card from American Express, please click here. Purchase protection is an embedded benefit of your card membership and requires no enrollment. Negotiable instruments, such as stamps and travelers' checks. Although this is an oft-overlooked benefit, purchase protection can provide exceptional value. In contrast, several premium American Express Cards provide coverage of up to $10,000 per incident, up to $50,000 per card member account per calendar year. First, you have to have the right card. 1 Terms, conditions and exclusions apply. Eligible AmEx cardmembers can still file a purchase protection claim for a covered loss even if you've redeemed Membership Rewards points for all or part of that purchase including Pay With Points redemptions. endobj The maximum you can be reimbursed is the amount of the original charge on your card. Once American Express has all the information needed to process your claim, theyll notify you via email once a decision has been made. It can help protect Covered Purchases made on your Eligible Card when theyre accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. If You have any questions about a specific item, please call us at 1-800-228-6855, if international, collect at 1-303-273-6498. AmEx purchase protection also doesn't cover losses when the item isn't "reasonably safeguarded" such as leaving it in an unlocked car or publicly unattended. Pre-qualified offers are not binding. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm.