Originally Posted by jamar

Frankly, if I think I might need to make use of purchase protection for a given purchase, I just pull out my AmEx instead, despite the forex fee if buying something overseas. Their claims process is a lot easier to deal with.

This is a moot point, though- I called in to try to increase the limit on my Explorer card and they decided that not only did I not warrant the increase, I had too much credit with them, so the card was completely cancelled. That'll teach me to try to get more than what I'm given.