Jul 20, 2013, 10:17 pm
Last edit by: mia
Find card benefits and updated information for every AMEX card issued in the USA here: http://www.americanexpress.com/us/co...-benefits.html
https://www.americanexpress.com/en-us/credit-cards/credit-intel/purchase-protection/
https://www.americanexpress.com/us/credit-cards/features-benefits/policies/purchase-protection-terms.html
https://www.americanexpress.com/en-us/credit-cards/credit-intel/purchase-protection/
https://www.americanexpress.com/us/credit-cards/features-benefits/policies/purchase-protection-terms.html
American Express Purchase Protection
Jul 21, 2016, 7:09 am
#601
Join Date: Jan 2012
Programs: SPG Platinum, FPC Platinum, Marriott/Ritz-Carlton Platinum Elite, Accor Platinum, AC SE, MPC SL
Posts: 450
How often on average you claim purchase protection?
I have been with Amex (both Plat and Gold) since 2012. Never needed to claim anything until March 2016 (CDN$250) and now I need to claim another one for CDN $1162 (I know limit is $1k). Bought an iPhone yesterday, dropped it today, and of course instead of just dinging the body, the screen decided to crack and shatter.
Wondering if this is "too often" so I'd like to survey the FT group to see how often you guys use this benefit on average?
Hope to see some interesting data points...
Wondering if this is "too often" so I'd like to survey the FT group to see how often you guys use this benefit on average?
Hope to see some interesting data points...
Jul 28, 2016, 7:53 am
#602
FlyerTalk Evangelist
Join Date: Oct 2011
Location: ATL
Programs: DL Scattered Smothered Covered Medallion, Some hotel & car stuff, Kroger Plus Card
Posts: 10,745
Apologies if this is answered upthread - my search turned up lots of info on one or the other, but not comparing the two directly.
I'm buying a new camera today, and have both an unbranded Amex Plat and a DL-branded Amex Reserve card. Both USA-based.
Before getting the Reserve card, I'd always put purchases like this on the unbranded Plat for the additional purchase protection/extended warranty. From my quick read of the T&Cs for both cards, it looks like the return protection, purchase protection, and EW for both of these cards is equivalent.
https://www.americanexpress.com/us/c...0#cardbenefits
https://www.americanexpress.com/us/c...0#cardbenefits
Is my read on them correct? If so, I'd rather put the purchase on the Reserve card to hit a MilesBoost target, but I will not if I'm losing any of the protection/warranty stuff.
I'm buying a new camera today, and have both an unbranded Amex Plat and a DL-branded Amex Reserve card. Both USA-based.
Before getting the Reserve card, I'd always put purchases like this on the unbranded Plat for the additional purchase protection/extended warranty. From my quick read of the T&Cs for both cards, it looks like the return protection, purchase protection, and EW for both of these cards is equivalent.
https://www.americanexpress.com/us/c...0#cardbenefits
https://www.americanexpress.com/us/c...0#cardbenefits
Is my read on them correct? If so, I'd rather put the purchase on the Reserve card to hit a MilesBoost target, but I will not if I'm losing any of the protection/warranty stuff.
Jul 28, 2016, 8:42 am
#603
Join Date: Jan 2010
Posts: 698
Apologies if this is answered upthread - my search turned up lots of info on one or the other, but not comparing the two directly.
I'm buying a new camera today, and have both an unbranded Amex Plat and a DL-branded Amex Reserve card. Both USA-based.
Before getting the Reserve card, I'd always put purchases like this on the unbranded Plat for the additional purchase protection/extended warranty. From my quick read of the T&Cs for both cards, it looks like the return protection, purchase protection, and EW for both of these cards is equivalent.
https://www.americanexpress.com/us/c...0#cardbenefits
https://www.americanexpress.com/us/c...0#cardbenefits
Is my read on them correct? If so, I'd rather put the purchase on the Reserve card to hit a MilesBoost target, but I will not if I'm losing any of the protection/warranty stuff.
I'm buying a new camera today, and have both an unbranded Amex Plat and a DL-branded Amex Reserve card. Both USA-based.
Before getting the Reserve card, I'd always put purchases like this on the unbranded Plat for the additional purchase protection/extended warranty. From my quick read of the T&Cs for both cards, it looks like the return protection, purchase protection, and EW for both of these cards is equivalent.
https://www.americanexpress.com/us/c...0#cardbenefits
https://www.americanexpress.com/us/c...0#cardbenefits
Is my read on them correct? If so, I'd rather put the purchase on the Reserve card to hit a MilesBoost target, but I will not if I'm losing any of the protection/warranty stuff.
http://www.americanexpress.com/us/co...ion-terms.html
http://www.americanexpress.com/us/co...nty-terms.html
Jul 28, 2016, 2:01 pm
#604
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
AMEX Platinum has a higher claim limit than AMEX DL Reserve. Also, misplacement/loss is covered by AMEX Platinum but not AMEX DL Reserve.
If you are buying a camera, the chance is you get more protection from AMEX Platinum than AMEX DL Reserve.
Jul 28, 2016, 2:38 pm
#605
Join Date: Jan 2012
Programs: SPG Platinum, FPC Platinum, Marriott/Ritz-Carlton Platinum Elite, Accor Platinum, AC SE, MPC SL
Posts: 450
I have been with Amex (both Plat and Gold) since 2012. Never needed to claim anything until March 2016 (CDN$250) and now I need to claim another one for CDN $1162 (I know limit is $1k). Bought an iPhone yesterday, dropped it today, and of course instead of just dinging the body, the screen decided to crack and shatter.
Wondering if this is "too often" so I'd like to survey the FT group to see how often you guys use this benefit on average?
Hope to see some interesting data points...
Wondering if this is "too often" so I'd like to survey the FT group to see how often you guys use this benefit on average?
Hope to see some interesting data points...
1) Submitted a claim over the phone on Jul 21.
2) Received an email with what documents are required on Jul 22.
3) I was asked to mail all the documents since this is my 2nd claim. All documents mailed on Jul 25. Four documents were asked (credit card statement showing the type of AmEx card and purchase, repair quote, pictures of damages, and original purchase invoice).
4) RSA received documentations on Jul 27.
5) The agent processed my claim on the same day and informed me a cheque has been issued (via mail) on the same day. Timeline will follow regular post office timeline.
Jul 28, 2016, 3:52 pm
#606
Join Date: Jan 2010
Posts: 698
I wanted to follow-up that RSA (on behalf of Amex) processed my claim very fast. Here are the timelines:
1) Submitted a claim over the phone on Jul 21.
2) Received an email with what documents are required on Jul 22.
3) I was asked to mail all the documents since this is my 2nd claim. All documents mailed on Jul 25. Four documents were asked (credit card statement showing the type of AmEx card and purchase, repair quote, pictures of damages, and original purchase invoice).
4) RSA received documentations on Jul 27.
5) The agent processed my claim on the same day and informed me a cheque has been issued (via mail) on the same day. Timeline will follow regular post office timeline.
1) Submitted a claim over the phone on Jul 21.
2) Received an email with what documents are required on Jul 22.
3) I was asked to mail all the documents since this is my 2nd claim. All documents mailed on Jul 25. Four documents were asked (credit card statement showing the type of AmEx card and purchase, repair quote, pictures of damages, and original purchase invoice).
4) RSA received documentations on Jul 27.
5) The agent processed my claim on the same day and informed me a cheque has been issued (via mail) on the same day. Timeline will follow regular post office timeline.
Jul 28, 2016, 5:26 pm
#607
FlyerTalk Evangelist
Join Date: Oct 2011
Location: ATL
Programs: DL Scattered Smothered Covered Medallion, Some hotel & car stuff, Kroger Plus Card
Posts: 10,745
Purchase Protection offered by AMEX Platinum and AMEX DL Reserve are very different.
AMEX Platinum has a higher claim limit than AMEX DL Reserve. Also, misplacement/loss is covered by AMEX Platinum but not AMEX DL Reserve.
If you are buying a camera, the chance is you get more protection from AMEX Platinum than AMEX DL Reserve.
AMEX Platinum has a higher claim limit than AMEX DL Reserve. Also, misplacement/loss is covered by AMEX Platinum but not AMEX DL Reserve.
If you are buying a camera, the chance is you get more protection from AMEX Platinum than AMEX DL Reserve.
Both list a $10k per incident limit and include:
Covered Incident means the loss or theft of, or damage, whether by accident or vandalism, to any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account.
For comparison, the PP policy for the DL Platinum card lists a $1k per incident limit and describes:
Covered Incident means the theft of, or damage, whether by accident or vandalism, to any one item of property purchased worldwide as
a gift or for personal or business use and charged to Your Account
a gift or for personal or business use and charged to Your Account
Am I missing something critical?
Jul 28, 2016, 6:58 pm
#608
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Unlike most other American Express cards, I believe Reserve has the same Purchase Protection coverage as Platinum. Consider the language from three cards:
GREEN
PLATINUM
RESERVE
GREEN
Covered Incident means the theft of, or damage, whether by accident or vandalism, to any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account
Covered Incident means the loss or theft of, or damage, whether by accident or vandalism, to any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account
Covered Incident means the loss or theft of, or damage, whether by accident or vandalism, to any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account.
Jul 28, 2016, 8:41 pm
#609
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
Oct 11, 2016, 4:08 pm
#610
Join Date: Dec 2015
Programs: AS GOLD, AA EXP, SPG PLAT, Marriott PLAT
Posts: 35
Recently lost a high value item (more than 3k) and filed for PP with my AP. Anyone knows how long they take to process the claim? It used to take them 2-3 business days earlier but its been 7 days now.
Oct 11, 2016, 4:31 pm
#611
Join Date: Jan 2010
Location: New York and Vienna
Programs: PA WorldPass Platinum, AA, DL, LH. GHA Black, SPG and HHonors Gold
Posts: 3,870
All kidding aside, I suspect it depends on the individual circumstances of the loss, the type of item it was, and also how backlogged American Express's insurance claims group is.
Oct 12, 2016, 8:40 am
#612
Join Date: Jun 2014
Location: FL
Programs: AA EXP, Hyatt Diamond, SPG Plat, IC Plat Amb, HH Diamond, Marriott Platinum
Posts: 1,299
Depends on the value and the circumstances. I broke my phone screen and did a claim for $140 and they put the money in my credit card in about 2 days.
Oct 12, 2016, 2:54 pm
#613
Join Date: Dec 2015
Programs: AS GOLD, AA EXP, SPG PLAT, Marriott PLAT
Posts: 35
Nov 2, 2016, 7:34 am
#614
Join Date: Jun 2009
Location: TPA
Programs: DL Diamond, HH Diamond, IHG Plat, Marriott Gold
Posts: 1,256
Purchase Protection Question
I'm going to be traveling around Africa in March and I'm thinking about switching over to the Sony A6300 vs the Canon 60D for size and practicality purposes. I know Amex provides purchases protection against theft (something I'm reasonably concerned about with Dakar and Accra) but I just want to make sure there are no exclusions in their coverage in regards to theft outside of the United States, etc.
I have no problem purchasing travel insurance for these trips but I can choose a lower plan if I'm comfortable with Amex's coverage.
I'm likely leaving in March for two weeks so I'll probably buy the camera sometime in Feb or early March. I beliueve coverage is only good for 90 days.
I have no problem purchasing travel insurance for these trips but I can choose a lower plan if I'm comfortable with Amex's coverage.
I'm likely leaving in March for two weeks so I'll probably buy the camera sometime in Feb or early March. I beliueve coverage is only good for 90 days.