Different levels of Am Ex's provide different levels of assistance. Plat and PRG provide 90 day purchase protection for any reason (drop and break, lost, stolen, etc). Don't know about the other Am Ex's protection, but I assume the Prepaid would be at the bottom of the food chain. I'll max out the $50k on the IB this year anyways, so no harm no foul on charging the 5 onto an Am Ex.