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American Express Purchase Protection Phone Number
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American Express cards offer a valuable, free benefit that keeps your new purchases safe. With Amex Purchase Protection, eligible purchases are covered against damage and theft for up to 90 days. Some cards have a policy that covers the loss of an item.
If disaster strikes your new laptop, smartphone, jacket, or other recent purchase, you can redeem it using the American Express card benefit. Whether you need to use Purchase Protection now or just want to know how it works, this guide will tell you all about it.
American Express Purchase Protection is short-term insurance for the products you buy. For this purchase protection guarantee to apply, you must pay for at least part of the purchase with your Amex card or American Express rewards points. The maximum amount that can be refunded to you is the amount of the initial payment on your card. There are also coverage limits that depend on the card you have.
Most products purchased with your American Express card are covered by Amex Purchase Protection. It provides coverage if the eligible purchase is damaged or stolen within 90 days of purchase. With select American Express cards, coverage is also provided if an eligible purchase is lost.
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There are certain types of purchases that are not covered by Amex Purchase Protection. These include, but are not limited to:
Purchase protection does not cover certain types of events. For example, it does not cover normal wear and tear or damage to something purchased for play, such as sports equipment. It also does not cover events that occur because the item was not reasonably protected. If an American Express card member leaves an item in an unlocked car and it’s stolen, purchase protection won’t help.
Travel is also typically outside of this purchase protection benefit. However, there are many American Express cards that offer travel insurance and protection, as well as cards from other card issuers. If that’s what you’re looking for, travel credit cards are a good place to start.
Check your Amex card’s benefits guide for a complete list of what’s not covered by American Express Purchase Protection.
Amex Purchase Protection: What You Need To Know
Every consumer American Express card protects purchases. Terms vary by card. Most cards offer up to $1,000 in coverage per eligible purchase, but some premium cards with higher annual fees offer up to $10,000. And while Amex Purchase Protection covers damage and theft, more premium cards also cover lost items. .
If you’re comparing cards based on purchase protection, you’ll find current American Express consumer cards with this benefit in the table below. It also includes their maximum coverage for each purchase and calendar year and the types of events covered. Terms apply to all cards in the table below.
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You will need to log in to your American Express account for online claims. Once you have done this, select “Claim” and complete the online claim form.
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The claim process begins after you submit your claim. You must do this within 30 days (or as soon as possible) of your eligible item being damaged, stolen or lost. If necessary, American Express will send you claim forms to complete. If you haven’t received your claim forms within 15 days, you can provide a letter outlining the circumstances of your claim.
In addition to filing your claim, you must provide proof of loss within 60 days of the accident or as soon as possible. American Express will let you know what proof of loss is required for your claims. It depends on the circumstances of the loss. For example, accidental damage requires different proof of loss than theft. Here are some examples of proof of loss that American Express may request:
American Express will pay purchase protection claims within 30 days of receiving satisfactory proof of loss and determining that the claim is payable.
Purchase protection can save you a lot of money if something happens to your last purchase. Even if you don’t need it, knowing your card offers can give you peace of mind. Many of the best credit cards offer purchase protection. Fortunately, American Express offers it as one of its standard benefits, including with its cards with no annual fee. You can count on this handy feature when you pay with your American Express card.
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Lyle Daly is a personal finance writer specializing in credit cards, travel rewards programs and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but now lives as a digital nomad based in Colombia.
Eric McWhinney has been writing and editing digital content since 2010. He specializes in personal finance and investments. He also holds a bachelor’s degree in finance.
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Purchase Protection provides a refund for a replacement of your eligible product if it is lost, stolen or accidentally damaged within a predetermined periodu2014usually 60 to 120 days. Terms and limits may vary depending on the card and its issuer.
This purchase protection offers reimbursement for eligible purchases made with certain Amex cards. If you try to return an item to a store within 90 days of purchase and the retailer won’t return the item, Amex will refund the purchase price.
Blue Cash Preferred offers purchase protection for purchases made within the last 90 days. So, if a recent purchase is stolen or accidentally damaged, you can get a payout of up to $1,000 per purchase.
According to the Amex Serve website, if you return any product purchased with the card, you are subject to the merchant’s return policy. If merchants agree to issue a refund to your card, this process will take at least 7 days, if not longer.
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Debit card payment protection and chargebacks Debit card payments and purchases are not covered by Section 75 of the Consumer Credit Act. But you can claim a refund under an optional scheme called ‘refund’. This can cover purchases of any value made on debit, credit or prepaid cards.
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American Express consumer cards offer purchase protection for eligible purchases for 90 days from the date of purchase.
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