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> Benefit Details Page > Frequently Asked Questions

Certain exclusions and limitations apply, visit americanexpress.com/PPterms for complete details for your Card. Purchase Protection1 is underwritten by AMEX Assurance Company.
  1. How does Purchase Protection work?
  2. How long are my purchases covered?
  3. Who is eligible for coverage?
  4. Do I have to activate or sign up for Purchase Protection? Do I have to pay a premium?
  5. What is an eligible purchase anyway?
  6. Are there exclusions or limitations to Purchase Protection?
  7. How do I file a claim?
  8. What if the item exceeds the limit for coverage?
  9. What do I do with the damaged item?
  10. Where can I find more information on my Card’s exact coverage?
1. How does Purchase Protection work?
When an American Express® Card Member charges a covered purchase with their Card account, Purchase Protection can help protect your purchases for up to 90 days from the date of purchase if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.

For Platinum Card® and Delta Reserve Card Members, Purchase Protection can also help protect your purchases for up to 90 days from the date of purchase if the item is stolen, accidentally damaged or lost. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.

For Centurion® Card Members, please call 1-800-322-1277 for more information.
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2. How long are my purchases covered?
With Purchase Protection, your eligible purchases can be covered for up to 90 days from the date of purchase when you charge the eligible purchased item with your Card account.
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3. Who is eligible for coverage?
The basic Card Member and any Additional Card Members on the account are eligible as long as all Card Members are U.S. Resident Card Members, The American Express Card has to have been issued to them in their name, and they must maintain a permanent residence within the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105.
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4. Do I have to activate or sign up for Purchase Protection? Do I have to pay a premium?
Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. When you make an eligible purchase with your Card, your eligible purchase is covered for up to 90 days from that date.
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5. What is an eligible purchase anyway?
An eligible purchase is an item purchased with your Card and a claim was submitted within 90 days of purchase. The item has to have been accidentally damaged or stolen (or lost for Platinum Card or Delta Reserve Card Members) when the incident occurred and you will need your original store receipt. Certain purchases are not covered which includes but is not limited to: travelers checks, tickets of any kind, negotiable instruments (including, but not limited to, gift certificates, gift cards and giftchecks), cash or its equivalent; animals or living plants; rare stamps or coins; consumable or perishable items with limited life spans (including, but not limited to, perfume, light bulbs, batteries); antique or previously owned items; motorized vehicles and watercraft, aircraft, and motorcycles or their motors, equipment, parts or accessories; stolen or damaged property consisting of articles in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection; items purchased for resale, professional, or commercial use; permanent household and/or business fixtures, including, but not limited to, carpeting, flooring and/or tile; business fixtures, including, but not limited to, air conditioners, refrigerators, heaters; and hospital, medical and dental equipment and devices.
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6. Are there exclusions or limitations to Purchase Protection?
Yes, there are important exclusions and restrictions. 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. Shipping and handling costs for the purchase will not be refunded. 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. 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.
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7. How do I file a claim?
You should report any theft or accidental damage immediately upon the loss. You can file a claim by calling 1-800-322-1277, or you can visit www.onlineclaim.americanexpress.com to get started. The customer service professional will need the receipt as well as incident or police report if stolen. You will be asked for satisfactory proof of the theft, accidental damage, or vandalism. Please keep all your American Express® charge receipts, original store receipts, and damaged items. You can check the status of your claim by calling the Purchase Protection toll free number at 1-800-322-1277.
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8. What if the item exceeds the limit for coverage?
Purchase Protection can provide coverage up to $1,000 per Occurrence, up to $50,000 per Card Member account per calendar year and any amount over that will not be reimbursed or covered. You will only be reimbursed for the amount charged to your eligible Card.

For Platinum Card and Delta Reserve Card Members, Purchase Protection can provide coverage up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year and any amount over that will not be reimbursed or covered. You will only be reimbursed for the amount charged to your eligible Card.

For Centurion Card Members, please call 1-800-322-1277 for more information.
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9. What do I do with the damaged item?
Please keep all items. After we have determined your item is eligible under the Purchase Protection, you may be required to send the purchased item to AMEX Assurance Company, in which case we will reimburse you for shipping cost.
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10. Where can I find more information on my Card’s exact coverage?
You can visit americanexpress.com/PPterms for more information on your Card’s exact benefit information.
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1. Purchase 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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. 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 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. 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.