Your new camera was stolen. You knocked over your new lamp moving your couch. Sometimes the unexpected happens. But when you use your Card for eligible purchases, it's nice to know membership can help protect your purchases.
• Use Your Eligible Card - When you charge a covered purchase on your Card account, Purchase Protection1 can help protect your purchase for up to 90 days from the date of purchase if it is stolen or accidentally damaged. Platinum Card® and Delta Reserve® Card Members have access to lost item coverage in addition to theft and accidental damage coverage.
• Coverage - You will only be reimbursed for the amount charged to your eligible Card. Coverage is limited per occurrence and per Card Member account per calendar year. Please read important exclusions and restrictions.
¹Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. consumable and perishable items, motorized vehicles and their parts or accessories, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited per occurrence and per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.