![]() ![]() In the event of theft, you must also include a copy of a police report. You must provide an original store receipt (or a printout of an online receipt). You must file a claim within 30 days of loss through this link or by calling 80. Related: Best credit cards with purchase protection How to file a claim For a complete description of the policies of your American Express card, select your card on this page. Simply losing or misplacing the purchase (although the policies for the Delta Reserve, Delta Reserve Business, Hilton Aspire and all consumer versions of the Amex Platinum Card do cover lost or misplaced items).Īdditionally, the maximum protection related to a natural disaster is $500.Items seized by a government authority.Items not being safeguarded or left at an unlocked location.War, acts of war or service in the military.Items purchased for professional or commercial use such as education, training or skills.Īlso excluded is loss or damage due to any of the following reasons:.Indirect or direct damage to an item or property resulting from a covered event.Medical or dental equipment or devices.Items voluntarily or involuntarily discarded.More than one article in a pair or set.Permanent household items such as carpet, flooring, air conditioners and refrigerators.Anything purchased for resale or commercial use.Motorized vehicles, parts and accessories.Items that are rented, leased or borrowed.Negotiable instruments including travelers' checks and gift cards.Consumable or perishable items such as perfume, light bulbs and batteries.One-of-a-kind items, such as rare stamps and coins.Damage through altercation or modifications.The following are ineligible for coverage: In this case, you must purchase an item that’s eligible for coverage and the loss can’t be due to an excluded reason. See privacy policy.Īs with any insurance policy, the devil is always in the details. The Points Guy will not share or sell your email. I would like to subscribe to The Points Guy newsletters and special email promotions. Policies are underwritten by AMEX Assurance Company. * Eligibility and benefit levels vary by card. The card details on this page have not been reviewed or provided by the card issuer. The information for the Centurion, Business Centurion and Hilton Aspire cards has been collected independently by The Points Guy. Hilton Honors Aspire Card from American Express.Marriott Bonvoy Brilliant® American Express® Card.Delta SkyMiles® Reserve American Express Card and the Delta SkyMiles® Reserve Business American Express Card.The Centurion® Card from American Express and The Business Centurion® Card from American Express.The Platinum Card® from American Express, The Business Platinum Card® from American Express and all other consumer versions in the Platinum family. ![]() However, certain premium cards cover your purchases for up to $10,000 per incident, with the same limit of up to $50,000 in total claims per calendar year.*Ĭards with this higher level of coverage include: With most Amex cards, you’re covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesn’t include any shipping or handling expenses. ![]()
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