American Express purchase protection refund deadline and How to file a claim

American Express purchase coverage will cover your purchase if it is damaged or accidentally stolen for up to 90 days from date of purchase (for most states).

Reimbursement will be lower than:


cost of repairing goods;
costs to replace goods; or
replacement item.
The limit of your coverage will depend on the type of American Express card you used for purchase.




The deadline for applying for American Express purchase protection
The first thing you need to pay attention to is that the purchase protection claim has a clear deadline. Losing this can be the difference between getting coverage and getting rejected.

90 days from purchase
In order for your item to qualify for protection, you must purchase it with your Card within 90 days.

Note that some states such as Arizona and Texas are covered for up to 120 days from purchase.

The 90 day period is a bit disappointing as some cards like the premium cards issued by Chase provide protection for up to 120 days.

30 days to register
You must file a claim within 30 days from the date your item was stolen or accidentally damaged.

If you have good reasons why you cannot file a claim within 30 days, Amex may still allow you to file a claim.

American Express purchase protection limits
The total amount covered for your purchase protection depends on the American Express card you used for your purchase.

Here are some examples of the different limits that are applied to different cards. Note the big difference between a premium card like the Platinum Card with a limit of $ 10,000 per item and another base card with a much lower limit of $ 1,000.

Amex EveryDay


The program will pay benefits for items of up to $ 1,000 for one Insured Incident and up to $ 50,000 for all Insured Incidents per Cardmember Account for one calendar year.
Amex EveryDay Preferred Credit Card

The program will pay benefits for items of up to $ 1,000 for one Insured Incident and up to $ 50,000 for all Insured Incidents per Cardmember Account for one calendar year.
Delta SkyMiles Gold Credit Card

The program will pay benefits for items of up to $ 1,000 for one Insured Incident and up to $ 50,000 for all Insured Incidents per Cardmember Account for one calendar year.
Amex Gold Card ($ 10,000)

This program will pay benefits for items of up to $ 10,000 for one Insured Incident and up to $ 50,000 for all Insured Incidents per Cardmember Account for one calendar year.
American Express Platinum Card ($ 10,000)

This program will pay benefits for items of up to $ 10,000 for one Insured Incident and up to $ 50,000 for all Insured Incidents per Cardmember Account for one calendar year.
Delta Reserve Credit Card ($ 10,000)

This program will pay benefits for items of up to $ 10,000 for one Insured Incident and up to $ 50,000 for all Insured Incidents per Cardmember Account for one calendar year.
Hilton Aspire ($ 10.000)

This program will pay benefits for items of up to $ 10,000 for one Insured Incident and up to $ 50,000 for all Insured Incidents per Cardmember Account for one calendar year.
Blue Cash from American Express

The program will pay benefits for items of up to $ 1,000 for one Insured Incident and up to $ 50,000 for all Insured Incidents per Cardmember Account for one calendar year.

American Express Business Gold Card


The program will pay benefits for items of up to $ 1,000 for one Insured Incident and up to $ 50,000 for all Insured Incidents per Cardmember Account for one calendar year.
Blue Business Plus Credit Card

The program will pay benefits for items of up to $ 1,000 for one Insured Incident and up to $ 50,000 for all Insured Incidents per Cardmember Account for one calendar year.
The $ 1,000 limit for some of these no-annual fee cards may seem a little low but is actually quite competitive. For example, the Chase Freedom card only offers protection of up to $ 500 per item.

Even Chase Sapphire Preferred only offers up to $ 500 protection (although Chase Sapphire Reserve offers a protection limit of $ 10,000).

How to file an American Express purchase protection claim
In order to receive your coverage, you must provide a Claim Notification and Proof of Loss.

Claim Notification


As stated, a Claim Notification must be provided to Amex within 30 days of the incident.

To provide notifications, you can call Amex at the following phone number: 1-800-322-1277 or, if from abroad, by calling collect 1-303-273- 6498.

You can also send it to:


Purchase Protection Claim Unit,
PO Box 981553
El Paso TX 79998- 9920.
If for some reason you do not file within 30 days, please note that you can still file a claim as long as it can be proven that a Claim Notification is issued as quickly as possible.

After you have submitted your notification, Amex will assist you with any additional documents that may be required.

Proof of loss


If you need to show proof of loss, a claim form will be sent to you after Amex has received notification of your loss.

Written evidence of loss, which includes a signed claim form and all other requested documentation, must be received within 60 days after they provide you with a response to your claim.

Proof of Damage may require documentation that includes, but is not limited to, the following:


Purchase Protection claim form;
Original shop damage receipt with applicable sales tax included;
Insurance declaration forms for other sources of your main or indemnity insurance policy (for example, a home owner or tenant insurance policy);
Photographs and / or repair estimates for items damaged by an authorized repair facility or other professional repair facility as described in the manufacturer's warranty; and
For theft and vandalism claims, reports of stolen or damaged items have been filed with the appropriate authorities. You must file this report before calling to file a claim under Purchase Protection.

Please note that if your item is defective, you may be required to send the defective item to Amex at their expense for further evaluation of your claim. If requested, you must deliver the defective item within 60 days of the request date in order to remain eligible for protection

After you submit a claim, Amex will decide whether to do one of the following:

Get the product repaired
Have the product replaced
Indemnify you up to the number of items purchased on your card

When will the payment be made?


If your claim is accepted by Amex, it will be paid out within 30 days after they have received all the documentation required for your claim.

Exception
Please note that if the loss is caused by one of the conditions below, you will not be able to get coverage.

Benefits cannot be paid if an event that requires coverage, directly or indirectly, in whole or in part, is contributed or caused by:


war or acts of war
participation in crime, riot, civil disturbance, protest or rebellion
any activity directly related to and occurring in the service of the armed military forces of any nation state recognized by the United Nations;
violation of criminal law, offense or offense
fraud or abuse or illegal activity of any kind by the Card Member
confiscation by government authorities, public authorities, or customs officials
damage or theft while under the care and control of any third party
item not secured properly
theft from baggage is not carried out by hand and under your personal supervision
damage through change
normal wear and tear of any kind
Damage or theft while under the care and control of a public transport company
Leave the purchased item empty
Fraudulent, dishonest, or criminal acts or omissions
Note: This is an incomplete list. see official requirements for more.

Purchases not covered
There are several types of purchases that are not covered by this protection.

This includes:


Long life or limited life consumables or perishables (including, but not limited to: food, perfume, light bulbs, batteries)
Lost, stolen, or damaged items consisting of items in pairs or sets. Coverage will be limited to no more than the value of a certain part or part, unless the item cannot be used individually and cannot be replaced individually, regardless of the special value it may have as part of a collection or collection;

Travel checks, tickets of any kind, negotiable instruments (including but not limited to gift certificates, gift cards and gift checks), cash or their equivalent, stamps or rare coins;
Live plants or animals;
One-of-a-kind, antique or owned and used items. Items refurbished by the manufacturer are not deemed to be in the possession or prior use;

Motor vehicles, scooters, golf carts, etc.
Items that are rented, leased, or borrowed;
Permanent household items unless they can be removed without causing damage to the structure;
Items purchased for use as inventory, resale, professional, or commercial use (including but not limited to professional education, training or skills, or for use in professional competitions);
Business equipment, including, but not limited to, air conditioners, refrigerators, heaters and / or any items which cannot be removed without causing damage to the structure; and
Hospitals, medical and dental equipment and devices

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