4.4 How to File a Purchase Protection Claim with the Gold Delta SkyMiles Business Credit Card. From porch pirates to Murphy's law, a lot can go awry between the time you buy an item and make use of that purchase. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. American Express purchase protection is short-term insurance for products you buy. Delta SkyMiles Reserve American Express Card. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, The Guide to AmEx Purchase Protection on Travel Cards. Coverages Available on Your Card Coverages you have Purchased Call us first if you have a travel medical emergency: Toll-free from US & Canada 1-800-243-0198 From anywhere in the world (905) 475-4822 Travel Emergency Medical Insurance1 Travel Accident Insurance3 Flight and Baggage Delay & Hotel Burglary Insurance1 It isn't and even better, the process is very simple. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the card) and up to $50,000 per cardholder. 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. We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. You can also mail them at: Purchase Protection Claims Unit, PO Box 981553 El Paso TX 79998- 9920. This was for Amex Canada (RSA Insurance). Information provided on Forbes Advisor is for educational purposes only. For example Mastercard offers Purchase Assurance to many Mastercard holders. If necessary, American Express will send you claim forms to complete. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. There are more than a dozen personal cards that offer $10,000 in purchase protection coverage per item. Your complete guide to shopping protections on American Express cards, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Reserve Business American Express Card, Marriott Bonvoy Brilliant American Express Card, Hilton Honors Aspire Card from American Express, The Business Platinum Card from American Express, Hilton Honors American Express Aspire Card, Blue Cash Preferred Card from American Express, The Blue Business Plus Credit Card from American Express, Best credit cards for extended warranties, The best credit cards with price protection, Do Not Sell or Share My Personal Information. Earn 5x Membership Rewards Points on prepaid hotels booked with American Express Travel. Just to see the cards they carry? Consider using a card like The Platinum Card from American Express. Juan is a travel writer that specializes in travel and personal finance, including content on credit card products and airline and hotel loyalty programs. Furthermore, there are only two American Express business cards that include purchase protection benefits* for lost items, which are also the Delta SkyMiles Reserve Business American Express Card and The Business Platinum Card from American Express. of You'll receive a link where you can upload copies of those documents, as well as a fax number and snail mail address if you're old school like that. Terms apply. Credit Card Extended Warranty and Terms | American Express What are the best ways to use my amex membership rewards? Call 1-800-243-0198 for more information. All information about Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. * Eligibility and benefit levels vary by card. The card details on this page have not been reviewed or provided by the card issuer. Past performance is not indicative of future results. He published over 2,000 articles on The Points Guy before becoming a freelance writer. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% 28.49%. Blue Cash Preferred Card from American Express. For a complete description of the policies of your American Express card, select your card on this page. Thankfully, many credit cards offer so-called "purchase protection" that covers theft, damage and loss within a set time after purchase. Everything you need to know about American Express purchase protection Disclaimer: NerdWallet strives to keep its information accurate and up to date. To be eligible, you must pay for the entire cost of the item with your eligible American Express card, and purchases must be made in the U.S. or U.S. territories.^. That proof of loss depends on the circumstances. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. For information on coverage limits and what's not covered, review your card's guide to benefits. How to File a Purchase Protection Claim with the Amex Delta Platinum Business Credit Card Call the Benefit Administrator within 30 days of the incident at 1-800-228-6855 or the number in your card's benefits guide. In the event of theft, you must also include a copy of a police report. $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. Coverage applies for 90 days after purchasing the item. For example, the Blue Cash Everyday Card from American Express and Amex EveryDay Credit Card* credit cards carry up to $1,000 coverage per incident, up to $50,000 per card member account per calendar year (Terms apply.). 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. Although this is an oft-overlooked benefit, purchase protection can provide exceptional value. 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. This purchase protection product covers damage and theft, but only up to $500 per claim and $50,000 per account. Within a few days, you should get an email from American Express asking for any documentation they require - typically just a copy of your itemized store receipt for the items. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. Delta SkyMiles Reserve Business American Express Card. Terms apply. Most products bought with your American Express card are covered by Amex purchase protection. For rates and fees of the Blue Cash Preferred Card from American Express, please click here. . It takes just a few minutes to file a claim, and most claims can be handled entirely online without having to pick up the phone. If you have questions, please consult your own professional legal, tax and financial advisors. After logging in, click "File a Claim." Go through the online claim process and provide the required information. However, most purchases made in the United States qualify for return protection. Underwritten by AMEX Assurance Company. If not, please enter the text below. Extended Warranty benefits extend your manufacturers warranty coverage, often by as much as a year. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. CLAIM NUMBER (NUMERIC-PART ONLY) DOCUMENT UPLOAD NUMBER Are you a robot? To validate your coverage, please call the number on the back of your Card. is no longer available through NerdWallet. has been a Senior Points and Miles Contributor for TPG since 2012. All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. . All you need to do to get this coverage is to use your eligible AmEx card to make a covered purchase of a tangible item. 4 0 obj How do I file a purchase protection claim? We believe everyone should be able to make financial decisions with confidence. Jewelry and watches are also excluded. Other business cards only offer coverage for damaged or stolen items on purchase protection claims. Amex purchase protection lasts for 90 days from the purchase date. Do all Amex cards offer purchase protection? 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. Here is a list of our partners. Here, you'll need to provide a copy of the purchase receipt and proof of loss. He covers credit cards, loyalty programs and family travel. Many or all of the products featured here are from our partners who compensate us. The extended warranty period is an additional year and is limited to covering the actual purchase amount paid for with your card. 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. Click "File a Claim," then provide the required information. Please visit americanexpress.com/benefitsguide for more details. How To Find The Cheapest Travel Insurance, Best Credit Cards For Travel Insurance Benefits, American Express Business Platinum Review, Delta SkyMiles Reserve Credit Card Review, Generous welcome offer for a no-annual-fee card, Unlimited 1.5% minimum earn rate for cash back rewards, Requires a companion card to transfer points to travel partners. Terms apply. Select categories from the drop-down menus and then fill in the merchant, manufacturer, purchase date, and price.
