Originally Posted by
Happy
...
The need to return the item would be either not working or found being defective outside the 30 days window from the merchant. AMEX would not cover it if it is not in good condition.
So this protection is only good when you change your mind after purchase but it has gone outside the merchant's return window but still within 90 days of the AMEX benefit.
This protection seems to be the answer for the concern you described in Post 2755 -- not being home within the 30-day return window.