Amex purchase protection is a credit card benefit that reimburses the cardholder for items bought with the card that get damaged or stolen. The coverage lasts for up to 90 days after the date of purchase, and most Amex cards will pay up to $1,000 per incident and $50,000 per year. Some premium Amex rewards cards, such as Amex Platinum, Amex Gold, Delta SkyMiles Reserve, Hilton Aspire and Marriott Bonvoy Brilliant, offer $10,000 per incident and $50,000 per year instead.
Most Amex cards – over 60 in total – come with purchase protection. But it’s important to remember that not all purchases are covered. Some exclusions are animals and living plants, one-of-a-kind items, tickets, downloadable services and more. Be sure to read the fine print in your card’s benefits guide.
To file an Amex purchase protection claim, you will first need to give Amex a “notice of claim” online or by calling 1-800-322-1277. You’ll then need to provide proof of your claim within the 60 days after you receive a claim form. Proof includes the receipt for the item, police reports and/or damage estimates, and more.
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