How the Purchase Protection Benefit Underwritten by AMEX Assurance Company Works
4 Min Read | Last updated: July 21, 2025
Purchase Protection can help protect Covered Purchases made with your Eligible Card against accidental damage, theft and sometimes provide lost coverage for certain Eligible Card products for up to 90 days from the Covered Purchase date. Coverage Limits Apply.
What Is Purchase Protection & How Does It Work?
Purchase Protection can help protect Covered Purchases made with your Eligible Card against accidental damage, theft and sometimes provide lost coverage for certain Eligible Card products for up to 90 days from the Covered Purchase date. Coverage Limits Apply. Please read important exclusions and restrictions.
What is a Covered Purchase?
A Covered Purchase is the tangible item of property purchased as a gift or personal or business use and charged to an Eligible Card.
How Do I File a Claim?
You can file your claim online or by giving us a call at 1-800-228-6855; if international, call collect at 1-303-273-6497. You will be asked certain questions about your claim at that time. The Notice of Claim should be provided within thirty (30) days of the loss or as soon as reasonably possible.
You may need to provide the original store receipt. If the item was stolen, you may need to show us a copy of the police report, or if the item was damaged, you may need to send in a completed repair estimate form to complete the claim – so don’t throw it out. More information can be found here.
AMEX Assurance Disclosures
For important information on policy terms, go to americanexpress.com/benefitsguide. Purchase Protection is underwritten by AMEX Assurance Company. Subject to additional terms, conditions, and exclusions. For full Terms and Conditions, see americanexpress.com/PPterms. If You have any questions about a specific item, please call us at 1-800-228-6855, if international, collect at 1-303-273-6497.
