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> Benefit Details Page > Frequently Asked Questions
 
Certain important exclusions and limitations apply; visit americanexpress.com/PPterms for complete details for your Card. Purchase Protection is underwritten by AMEX Assurance Company and Tokio Marine Pacific Insurance Ltd.

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®, Delta Reserve®, Premier Rewards Gold, Gold Card, Ameriprise Gold and Fidelity Gold 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® Members, please see americanexpress.com/PPCenturionTerms. For Business Centurion® Members, please see americanexpress.com/PPBusinessCenturionTerms.

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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 Guam and the Northern Mariana Islands the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000110.

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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 can be 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®, Delta Reserve®, Premier Rewards Gold, Gold Card, Ameriprise Gold and Fidelity Gold 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 gift checks), 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, food, perfume, light bulbs, batteries); one-of-a-kind, antique or previously owned and used items; motorized vehicles, scooters, golf carts, watercraft, aircraft, motor cycles or their motors, equipment, parts or accessories, or trailers and other items that can be towed by or attached to any motorized vehicle; items rented, leased or borrowed for which Card Member will be held responsible permanent household fixtures unless it can be removed without causing damage to the structure, 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 use as inventory, resale*, professional*, or commercial use (including but not limited to professional education training or skills, or to be used in professional competition)*; business fixtures, including, but not limited to, air conditioners, refrigerators, heaters and/or any item that cannot be removed without causing damage to the structure*; and hospital, medical and dental equipment and devices (including but not limited to blood pressure device/equipment, blood glucose monitoring devices, and dental retainers)*.
 
* These items are eligible for coverage if purchased on a Business Card from American Express OPEN.
 

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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. For losses related to natural disasters a $500 per occurrence maximum limit applies. 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 that shipping cost. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance or other sources of indemnity that you have. For full Terms and Conditions, see americanexpress.com/PPterms. For Centurion® Members, please see americanexpress.com/PPCenturionTerms. For Business Centurion® Members, please see americanexpress.com/PPBusinessCenturionTerms.
 

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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.AmericanExpress.com/onlineclaim 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®, Delta Reserve®, Premier Rewards Gold, Gold Card, Ameriprise Gold and Fidelity Gold 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 losses related to natural disasters a $500 per occurrence maximum limit applies. 
 
For Centurion® Members, please see americanexpress.com/PPCenturionTerms. For Business Centurion® Members, please see americanexpress.com/PPBusinessCenturionTerms.
 

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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 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. For Centurion® Members, please see americanexpress.com/PPCenturionTerms. For Business Centurion® Members, please see americanexpress.com/PPBusinessCenturionTerms.
 

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1. Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0951-PR, Policy AX0951-VI, or Policy PP-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000110. 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, and motorized vehicles and their parts or accessories, 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 that shipping cost. 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.