Originally Posted by
adambadam
Also keep in mind that there is a difference between having the best terms and being the easiest actually get a claim honored. That is why I try to focus spending on my AMEX when it make sense as they seem to have the best reputation for customer service.
I had a cellphone charger stolen from a hotel lobby 30min after the purchase (fortunately the phone was already in my pocket).
Filled out the AMEX form online and got a "please call us message". Filled it out again and said it was "lost", and got a "claim filed" message and money back within 3-4 days.