For claims filed internationally, you can dial 1-303-273-6498. Juan's passion is helping readers navigate through the complex world of frequent flier miles, credit card rewards points and award travel. Items damaged by natural disasters are subject to different terms and limits notated in each cards terms and conditions. Amex will reimburse you up to a maximum of $1,000 per card member account per calendar year based on the date of purchase. Get more smart money moves straight to your inbox. Terms, conditions and limitations apply. The card details on this page have not been reviewed or provided by the card issuer. 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter (requires activation) and on travel booked through the. Plus, not all damage and losses are covered. American Express makes it easy for you to file a claim for your lost, damaged or stolen item within 90 days from the date of your purchase. Visit americanexpress.com/benefitsguide for details. I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. Blue Cash Everyday Card from American Express. are covered by AmEx's purchase protection coverage. Terms apply. Beyond that, I think its prudent to factor these protections into your decision of which card to use whenever you make a large purchase. Please view our advertising policy page for more information. Would probably help your claim, Amex should be able to help you out. Buts its still "status open" now and have no update. Improve earnings, maximize rewards and track progress toward dream trips. endstream endobj startxref Authorized users are also covered, as . The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Our points-obsessed staff uses a plethora of credit cards on a daily basis. So I recently. There is a maximum coverage amount of $10,000 per item and $50,000 per calendar year.*. Claims usually require original receipts and the credit card statement related to the purchase. New comments cannot be posted and votes cannot be cast. Coverage can vary based on your state of residence, though, and bonus categories sometimes have caps. If that item is lost, stolen or damaged within the first 90 days, file a Notice of Claim within 30 days to start the claims process. bought the Airpods Max and ended up loosing them on my flight, I put them in the seat pocket in front of me during the meal and completely forgot that they were in there. Indirect or direct damage to an item or property resulting from a covered event. Although they didnt make the top five, the following cards offer purchase protection with a limit of $10,000 per incident/claim and a limit of $50,000 per year per account (although Amex cards have a limit of $500 per event for natural disasters*). If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. Underwritten by AMEX Assurance Company. The claim was quickly accepted, and I was issued a statement credit for my purchase. Some of the more popular Amex cards offering extended warranty coverage include The Platinum Card from American Express and other consumer versions of the Platinum card, The Business Platinum Card from American Express, American Express Gold Card, American Express Green Card, American Express Business Gold Card, Delta credit cards, Hilton credit cards, Marriott credit cards and The Blue Business Plus Credit Card from American Express. To view rates and fees of the Delta SkyMiles Reserve American Express Card, see this page. Amex has you covered in that instance, too. Many or all of the products featured here are from our partners who compensate us. So, checking. Delta SkyMiles Platinum American Express Card. Earning rates: 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases on up to $6,000 per calendar year in purchases for each category (then 1%) and 1% cash back on other purchases. Fortunately, in many places, you dont need to go down to the local police precinct as many cities have an online portal to submit reports for incidents like theft, lost property or damage to property. Coverage on the SPG card remains at $1,250 for carry-on baggage and $500 for checked baggage. Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre . 3 yr. ago. This benefit covers eligible items purchased with an eligible American Express card against damage or theft. ;*KLjmNT Pre-qualified offers are not binding. Terms apply. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. When we think of travel rewards card benefits, we tend to think of lounge access, free checked bags and companion tickets, but dont stop there. $1,000 per item (or $500 per event for natural disasters).*. It appears that JavaScript is either disabled or not supported by your web browser. There are more than a dozen personal cards that offer $10,000 in purchase protection coverage per item. Youre out of luck, right? The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. You must provide an original store receipt (or a printout of an online receipt). Shop moreconfidently with your Card knowing we have your back. This influences which products we write about and where and how the product appears on a page. Claims can be made online or by giving American Express a call at 1-800-322-1277. Learn more: The best credit cards for travel insurance benefits. Anything purchased for resale or commercial use. You can do so online or by calling Amex at 1-800-322-1277. A copy of your primary insurance declaration page, if applicable. Plus, this card doesnt exclude lost or misplaced items and is great for foodies, due to its bonus-earning categories and monthly spending credits with restaurants and Uber/Uber Eats. Here is a list of our partners. You can view the full list of cards here. Amex Platinum Lost Item Purchase Protection Question So I recently. These cards, each chosen with a particular type of consumer or purchase in mind, are discussed below. Since I was outside of the stores 30-day return policy but still within 90 days of purchase, I filed a return protection claim online with Amex. Delta SkyMiles Gold American Express Card. Items purchased for professional or commercial use such as education, training or skills. Terms apply. For The Platinum Card from American Express, Delta SkyMiles Reserve American Express Card, American Express Gold Card, Gold Card, and Ameriprise Gold Card Members Purchase Protection can also help protect your purchases for up to 120 days* from the date of purchase if the item is stolen, accidentally damaged or lost. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Welcome bonus: Earn $900 cash back after you spend $6,000 on purchases in the first three months of account opening. We may receive compensation when you click on links to those products. Purchase Protectioncan help protect Covered Purchases made with your Eligible Card against accidental damage, theft and sometimes provide lost coverage for certain Eligible Card products for up to 90 days from the Covered Purchase date. Policies are underwritten by AMEX Assurance Company. Meanwhile, here's the list of small business cards from AmEx with this benefit: The Business Platinum Card from American Express. This information may be different than what you see when you visit a financial institution, service provider or specific products site. diamondsaremadeunder 3 yr. ago. Eligibility and Benefit level varies by Card. Each category has certain conditions attached to it. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. The American Express Platinum cards are eligible for American Express Purchase Protection. How an often-overlooked credit card benefit put $1,400 back in my wallet, Blue Cash Everyday Card from American Express, monthly spending credits with restaurants, Everything you need to know about Amex purchase protection, Blue Cash Everyday Card from American Express, Amex credit card showdown: Blue Cash Preferred vs. Blue Cash Everyday, an eligible card that earns Chase Ultimate Rewards points, Why I switched from the Chase Freedom to the Chase Freedom Flex. Nonetheless, this useful benefit can save you hundreds (maybe thousands) if you have the misfortune of theft or damage on a covered purchased item within 90 days of purchasing the item. Other shopping protections: Extended warranty protection offers one additional year of coverage for items with an original manufacturers warranty of five years or less. Hilton Honors American Express Aspire Card. For most claims, you'll typically need to submit: A copy of your credit card statement with the purchase. Check the details of your card's coverage to see if your incident is covered. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. This compensation comes from two main sources. Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. The ideal credit card to aim for is one that will both maximize your earning on the purchase and give you protection against theft and damage. Terms apply. By Cristina Gibson | American ExpressCredit IntelFreelance Contributor. Here are some tips to help you navigate this growing trend. About the author: Ben Luthi is a former credit card specialist for NerdWallet. Thankfully, its really easy to search my email inbox to find receipts for everything Ive bought online. However, this does not influence our evaluations. NerdWallet strives to keep its information accurate and up to date. its said 10 business but its already past. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Terms apply. The information for the Amex Green Card has been collected independently by The Points Guy. So, forgetful consumers may want to put their purchases on one of American Express premium cards that include lost items under the Amex purchase protection benefit. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More. You will be asked for a copy of the receipt, your Amex purchase record and the original warranty. Some premium American Express Cards also include coverage for lost items and provide coverage of up to $10,000 per incident and $50,000 per year. to see if your incident is covered. With purchase protection, you can file a claim to be reimbursed for any eligible item you bought with The Platinum Card from American Express if . For example, AmEx won't approve a claim for damage to an item "purchased for play." Other shopping protections: Extended warranty protection adds an additional year to eligible manufacturers warranties of three years or less while return protection covers returns within 90 days of purchase. shopping purchases when you use your Eligible Card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) Earning rates: 4 points per dollar spent at restaurants and on the first $25,000 spent at U.S. supermarkets each calendar year (then 1 per dollar); 3 points per dollar spent on flights booked directly with airlines or on Amex Travel; 1 point per dollar spent on other purchases. The American Express Platinum card purchase protection insures items bought with this card for up to $10,000 per incident and $50,000 per account per year. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Delta SkyMiles Platinum Business American Express Card. Purchases must be made in the U.S. or its territories1. Welcome bonus: Earn 60,000 Membership Rewards points after spending $4,000 on purchases on your new card in your first six months of card membership. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. Are you sure you want to rest your choices? Almost every American Express credit and charge card offers purchase protection of some degree. The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases up to $10,000 per incident. 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. In addition to stolen and damaged items, AmEx purchase protection also covers items lost within the coverage period. We'd love to hear from you, please enter your comments. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Visit americanexpress.com/benefitsguide for details. In the event of theft, you must also include a copy of a police report. The Blue Business Plus Credit Card from American Express. If filing a damaged or stolen item claim, you may be asked to demonstrate a photograph showing the damage to your item. If you claim an item was stolen you will need a police report. Depending on the credit card, the coverage amount and the duration of the protection may differ. You also may be asked to return the item to Amex in the event it cant be repaired or to provide proof of loss via a repair estimate form or photographs showing the item's current condition. American Express also has a range of versatile credit cards with competitive interest rates and benefits such as travel insurance, cashback, extended warranty and more! Here is a list of our partners. Be sure to check your cardholder agreement for your specific benefits. Terms, Conditions and Limitations Apply. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. You should also know that purchase protection does not cover damage to items when shipped by a third party and under their temporary care, including a common carrier. Any purchase that is not in an excluded category and is made with a qualifying American Express card will receive purchase protection. The first claim was for a childs bicycle seat that was supposed to mount on my bikes handlebars. Check here before booking an award fare. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. Several credit cards may even provide protection if you lose a recently-purchased item. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. American Express removed this perk from most of its cards effective at the start of 2020. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). If you need to make a claim, you will receive a reimbursement either for the item or the cost to replace the item, up to the coverage limits on your American Express card.