Yes, American Express does have return protection. American Express return protection reimburses cardholders for undamaged, working items purchased with an eligible American Express card that cannot be returned to the merchant within 90 days of purchase. The American Express return protection coverage limit is $300 per claim and $1,000 per year.
To file an American Express return protection claim, use the online claims center or call 1-800-228-6855 within 90 days of the date of purchase. You will then need to submit a claim form and provide any requested supplemental proof within 30 days of starting the claims process.
Keep in mind that not all items will qualify for American Express return protection coverage. As is the case with all card benefits, there is a list of exceptions, so it's important to read the benefits guide that came with your card to find out if an item qualifies.
American Express Platinum card return protection covers items entirely charged to the American Express Platinum card, up to $300 per item and $1,000 per calendar year per account, if a cardholder tries to return a covered item within 90 days from the date of purchase and the merchant won’t accept it. American Express will refund the full purchase price, less any shipping charges.… read full answer
To be eligible for American Express Platinum card return protection coverage, an item must be in its original purchase condition and in working order. Purchases must be made in the U.S. or its territories. Also, the merchant that sold the item must have denied your attempt to return it. Some items such as jewelry, computer software, gift cards and more are not covered. A complete list of ineligible items is available on the American Express Platinum card return protection Benefit Guide.
To file an American Express Platinum card return protection claim, call (800) 228-6855 within 90 days of the covered item’s purchase date. You can also request a refund online by clicking “Enter Claims Center Now” and selecting the “Return Protection” option from the “Benefit Information” menu. American Express must receive a signed claim form and any supporting documents within 30 days from your initial call or online request. Once a request has been reviewed and deemed eligible, American Express may instruct you to send the item within 30 days for further evaluation. Make sure you keep a record of your shipping receipt in case the eligible item fails to reach American Express. In the event you are asked to send the purchased item to American Express, you will be reimbursed for the shipping cost.
Insurance benefits disclosure: Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.
Yes, American Express does offer travel insurance. The most common American Express travel insurance benefits are car rental insurance and baggage insurance. Some American Express credit cards also offer trip delay insurance along with trip cancellation and interruption insurance. To be eligible for travel insurance coverage, you’ll need to pay for your travel using your American Express credit card.… read full answer
American Express Credit Cards with Travel Insurance
Check the guide to benefits that came with your American Express card to see which types of travel insurance are included with your card. The guide will also show coverage amounts and other details on each of your travel insurance benefits.
American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. 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. Keep in mind that not all purchases or items are covered under American Express purchase protection.… read full answer
Coverage: Covers the damage or theft of eligible purchases for up to 90 days after the purchase date. Coverage is for the costs of repairs or replacements of eligible items.
Covered amount: Up to $1,000 or $10,000 per purchase and $50,000 per cardholder, every calendar year.
Excluded purchases/items: Excluded items include antiques, artwork, consumables, rented, leased, or borrowed items, motorized devices, land or buildings, software, medical devices or equipment and more. Damages or theft resulting from war or acts of war, military service, confiscation by any government authority, and others, are also not covered.
How to file a claim: Call the Benefit Administrator within 30 days of the incident at (800) 228-6855 or the number in your guide to benefits. If the item was stolen, file a police report within 48 hours of the incident. Submit your completed claim form within 60 days after having received it. Amex will notify you of a decision after they've processed your claim, which could take up to 30 days.
To see which American Express cards offer purchase protection and view specific coverage amounts for individual cards, check out Amex's dedicated purchase protection web page.
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