amex platinum purchase protection lost item

If your Card is not listed on this page, if you are an Additional Card Member, or to determine whether you have coverage, please call the number on the back of your Card to verify your benefits View Policy View Policy View Policy View Policy American Express makes it easy - you can file your claim online or by giving us a call at 1-800-322-1277; if international, call collect at 1-303-273-6498. That proof of loss depends on the circumstances. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. He published over 2,000 articles on The Points Guy before becoming a freelance writer. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. Do balance transfers affect your credit score? Terms, conditions and limitations apply. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. Heres what you need to know about foreign transaction fees what they are and how to avoid them. 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. This influences which products we write about and where and how the product appears on a page. it back, American Express may refund the full pur chase price, up to $300 per item, excluding shipping and handling charges related to the item purchased, and up to a maximum of $1,000 per Card Member account per calendar year based on the date of purchase, not during the year the claim was filed. 1 Terms, conditions and exclusions apply. For an explanation of our Advertising Policy, visit. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. 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. Just answer a few questions and we'll narrow the search for you. Simply losing or misplacing the purchase (although the policies for the Delta Reserve, Delta Reserve Business, Hilton Aspire and all consumer versions of the Amex Platinum Card do cover lost or misplaced items). To provide notice you can call Amex at the following phone number: 1-800-322-1277 or, if from overseas, by calling collect 1-303-273- 6498. Coverage on the SPG card remains at $1,250 for carry-on baggage and $500 for checked baggage. Coverage Limits Apply. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. The card details on this page have not been reviewed or provided by the card issuer. Hilton Honors American Express Aspire Card is no longer available through NerdWallet. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More. The extended warranty does not cover the following items: Also, coverage does not apply to damage from natural disasters, alterations or modifications, power surges, war or acts of war or any item under a product recall. Underwritten by AMEX Assurance Company. However, certain premium cards cover your purchases for up to $10,000 per incident, with the same limit of up to $50,000 in total claims per calendar year.*. Delta SkyMiles Gold American Express Card. only covers up to $10,000 per covered purchase. Whether you want to pay less interest or earn more rewards, the right card's out there. 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. 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1% on all other purchases. Call the number on the back of your card if you have any questions regarding eligibility, the documentation needed or the process required to file a claim. Terms, Conditions and Limitations Apply. With most Amex cards, youre covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesnt include any shipping or handling expenses. 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. 5 points per dollar on flights booked directly with airlines or Amex Travel (up to $500,000 on these purchases per calendar year, then 1 point per dollar); 5 points per dollar on prepaid hotels booked through Amex Travel; 1 point per dollar on other purchases. You will be asked for a copy of the receipt, your Amex purchase record and the original warranty. Underwritten by AMEX Assurance Company. The card doesnt offer price protection or return protection, though. Permanent household items such as carpet, flooring, air conditioners and refrigerators. Please visit americanexpress.com/benefitsguide for more details. Many or all of the products featured here are from our partners who compensate us. Please review. A copy of the claim settlement from your primary insurance company, if applicable. Check here before booking an award fare. 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. When evaluating offers, please review the financial institutions Terms and Conditions. Purchase protection coverage limits vary among American Express cards, so its important that you review your cards guide to benefits so that you understand the coverage limits and exclusions that apply to you. Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. 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. In contrast, more than a dozen personal American Express cards include loss as a qualified purchase protection reason in their benefits. Check the details of your card's coverage to see if your incident is covered. First, you have to have the right card. Past performance is not indicative of future results. Join Date: Aug 2009. Shop more. Other shopping protections: Extended warranty protection offers an additional year on eligible warranties of three years or less. Many Amex cards offer purchase protection but coverage limits vary. Terms, conditions and limitations apply. Purchase protection saved us $1,700 a reader success story, These are the cards TPG staff reach for in case of emergency, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Reserve Business American Express Card, Hilton Honors American Express Aspire Card, Marriott Bonvoy Brilliant American Express Card, The 5 Amex cards were keeping in our wallets and why, Do Not Sell or Share My Personal Information, $10,000 per item (or $500 per event for natural disasters). Related: These are the cards TPG staff reach for in case of emergency. Does AmEx purchase protection cover lost items? Our points-obsessed staff uses a plethora of credit cards on a daily basis. This information may be different than what you see when you visit a financial institution, service provider or specific products site. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Offer ends 3/29/23. Get more smart money moves straight to your inbox. its said 10 business but its already past. For example, if you have an American Express card, the chances are that card provides AmEx purchase protection. This card shines for this use, but overall the star ratings may differ when compared to other cards. Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for March 2023, Get more smart money moves straight to your inbox. 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. %%EOF Here are our picks for the. Coverage applies for 90 days after purchasing the item. The claim was quickly accepted, and I was issued a statement credit for my purchase. 14 points per dollar at eligible Hilton properties; 7 points per dollar on flights booked directly with airlines or through Amex Travel; 7 points per dollar on car rentals booked directly from select car rental companies and at U.S. restaurants; 3 points per dollar on other purchases. These cards, each chosen with a particular type of consumer or purchase in mind, are discussed below. Additional reporting by Stella Shon, Carissa Rawson, Christina Ly and Ryan Smith. Enrollment required. Purchase protection doesnt require any registration in advance. hbbd``b`@/P k ";d100O@ T9 3 is no longer available through NerdWallet. There are important terms to follow for this benefit, such as the length of time from the purchase date for which coverage is offered, how to submit claims and even the maximum coverage amount provided by your credit card. Official application link: Ink Business Cash Credit Card. For example Mastercard offers Purchase Assurance to many Mastercard holders. Related: How an often-overlooked credit card benefit put $1,400 back in my wallet. Enrollment required. 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. Not as useful for those living outside the U.S. Please visit americanexpress.com/benefitsguide for more details. You can see the benefits for all American Express cards on Amexs website and can consult our guide to shopping protections on American Express cards, but you may need to call or log into your account to see the guide to benefits for cards issued by other banks. Like insurance, purchase protection is one of those things that you hope you never have to use. 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.^. From bedroom furniture to clothing and cellular phones to handbags, purchase protection can be a worthwhile benefitparticularly for high-priced items. Terms apply to the offers listed on this page. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Items purchased for professional or commercial use such as education, training or skills. Learn more: The best credit cards for travel insurance benefits. Coverage limits apply. Purchase protection covers items you want to keep; return protection covers items you don't want to keep where the store won't accept a return. 3 yr. ago. endstream endobj 962 0 obj <>>>/Filter/Standard/Length 128/O(-ZK*Kme P1Fi dX)/P -1340/R 4/StmF/StdCF/StrF/StdCF/U(U-q U )/V 4>> endobj 963 0 obj <>/Metadata 89 0 R/OCProperties<>/OCGs[973 0 R]>>/Outlines 294 0 R/PageLayout/OneColumn/Pages 957 0 R/StructTreeRoot 349 0 R/Type/Catalog>> endobj 964 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 965 0 obj <>stream You must file a claim within 90 days of your original purchase through this link or by calling 800-228-6855. Recently bought a Pacsafe bag that basically fell apart on the first trip out. As stated, Notice of Claim should be provided to Amex within 30 days of the incident. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing. So, you can't claim purchase protection if your baseball bat or hockey stick breaks. If you have an item that was damaged or stolen shortly after you purchased it, it can be worth checking the guide to benefits of the card you used to purchase that item to see if a form of purchase protection applies.

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