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
Nov 29, 2018, 5:03 pm
#691
Join Date: Jan 2016
Posts: 610
What card was it? Can it be considered a "lost" item? (Gold and Plat cards cover those)
Nov 29, 2018, 5:51 pm
#692
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Correct, this is in the published Purchased Protection benefits:
If you like the necklace you should probably retrieve it.
General Exclusions
Benefits are not payable if the Covered Incident for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:
14. purchases that are lost and/or irretrievable (i.e. item is neither stolen nor damaged), misplaced, or
Mysteriously Disappeared.
Benefits are not payable if the Covered Incident for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:
14. purchases that are lost and/or irretrievable (i.e. item is neither stolen nor damaged), misplaced, or
Mysteriously Disappeared.
Dec 1, 2018, 2:36 pm
#694
Join Date: May 2013
Programs: N/A
Posts: 685
Here’s a new one. Ordered a nice bottle of champagne but when it arrived in the mail it was piping hot and am positive the contents are no longer at close to ideal conditions.
Does purchase protection cover this consumable, although it is not perishable? I know consumable and perishable together are not covered.
Does purchase protection cover this consumable, although it is not perishable? I know consumable and perishable together are not covered.
Dec 1, 2018, 3:04 pm
#695
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
The following purchases are not covered:
1. consumable or perishable items with extended or limited life spans (including, but not limited to: food, perfume, light bulbs, batteries);
1. consumable or perishable items with extended or limited life spans (including, but not limited to: food, perfume, light bulbs, batteries);
General Exclusions
Benefits are not payable if the Covered Incident for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:
11. damage or theft while under the care and control of a common carrier (including but not limited to transportation services, postal services, delivery services for hire);
Benefits are not payable if the Covered Incident for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:
11. damage or theft while under the care and control of a common carrier (including but not limited to transportation services, postal services, delivery services for hire);
This article may be helpful:
https://www.vinexpo-newsroom.com/imp...ons-champagne/
It doesn't sound as if a few days at temperatures in the mid-80's had an effect worth mentioning, but a much higher temperature, or a longer time period, did.
Last edited by mia; Dec 1, 2018 at 3:09 pm
Dec 2, 2018, 12:24 pm
#696
Join Date: Nov 2014
Location: USA
Posts: 1,084
oh this sucks. Ironically it’s what chase premier credit cards like CSR or Ritz cover. Those cards , on the other hand, do not cover lost items so I only put purchases on Amex plat or citi prestige (prestige has price protection and +2y warranty)
Dec 3, 2018, 2:09 pm
#697
Join Date: Mar 2006
Posts: 107
Not purchase protection, but travel/baggage protection and I see some posts for that here so I thought I would add:
My wife and I were on a snorkel excursion while in Maui this summer and she lost one of her diamond Tiffany stud earrings in the water as she took the mask off her head (I know... she knows... she felt really bad and it was a silly mistake, but life goes on). They were just super tiny earrings I bought her when we were first married, but they were/are about $500 a piece. Got home from the trip, filed the claim right away after remembering a points guy article about any travel on any common carrier you buy a ticket for being valid for baggage insurance. Amex found the charge for the tickets on the boat, and asked for additional information, extra copies of the receipts on the purchase of the jewelry once, which we actually had since we save them for jewelry (but the earring purchase was over 10 years ago). Amex refunded us the price of the pair of earrings, which is about the price of just a little over one earring in today's prices, but it was enough to get the earring replaced. Overall was a great experience.
My wife and I were on a snorkel excursion while in Maui this summer and she lost one of her diamond Tiffany stud earrings in the water as she took the mask off her head (I know... she knows... she felt really bad and it was a silly mistake, but life goes on). They were just super tiny earrings I bought her when we were first married, but they were/are about $500 a piece. Got home from the trip, filed the claim right away after remembering a points guy article about any travel on any common carrier you buy a ticket for being valid for baggage insurance. Amex found the charge for the tickets on the boat, and asked for additional information, extra copies of the receipts on the purchase of the jewelry once, which we actually had since we save them for jewelry (but the earring purchase was over 10 years ago). Amex refunded us the price of the pair of earrings, which is about the price of just a little over one earring in today's prices, but it was enough to get the earring replaced. Overall was a great experience.
Dec 3, 2018, 9:30 pm
#698
FlyerTalk Evangelist
Join Date: Oct 2011
Location: ATL
Programs: DL Scattered Smothered Covered Medallion, Some hotel & car stuff, Kroger Plus Card
Posts: 10,745
Any experience filing a claim without the original receipt?
I bought a cashmere scarf that found its way into the laundry after a trip. Tried re-stretching it but it's done for. However...i already tossed the receipt as it was purchased back in June.
Nearing the 120 day mark so I'm going to file a claim, just interested as to what to expect.
I bought a cashmere scarf that found its way into the laundry after a trip. Tried re-stretching it but it's done for. However...i already tossed the receipt as it was purchased back in June.
Nearing the 120 day mark so I'm going to file a claim, just interested as to what to expect.
Dec 9, 2018, 5:37 pm
#699
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
Any experience filing a claim without the original receipt?
I bought a cashmere scarf that found its way into the laundry after a trip. Tried re-stretching it but it's done for. However...i already tossed the receipt as it was purchased back in June.
Nearing the 120 day mark so I'm going to file a claim, just interested as to what to expect.
I bought a cashmere scarf that found its way into the laundry after a trip. Tried re-stretching it but it's done for. However...i already tossed the receipt as it was purchased back in June.
Nearing the 120 day mark so I'm going to file a claim, just interested as to what to expect.
Nevertheless, AMEX CS can help you to get a copy of the sale receipt.
Dec 9, 2018, 6:28 pm
#701
FlyerTalk Evangelist
Join Date: Oct 2011
Location: ATL
Programs: DL Scattered Smothered Covered Medallion, Some hotel & car stuff, Kroger Plus Card
Posts: 10,745
Ok so as it turns out I was an idiot and it has been almost 150 days, not 120, so I'm out of luck and the receipt is now a moot point. But yes, the latest T&Cs I downloaded show a 120 day window for purchase protection now.
Dec 14, 2018, 3:15 pm
#702
Join Date: Dec 2014
Location: Glendale, NY
Programs: IHG Platinum Member
Posts: 25
Eh, got rear-ended today. Car has broken rear axle, and the whole was not my fault. Besides the fact the car is non-drivable currently, and only 4 months old, the impact made some other damages which I am discovering right now.
At least three of the items purchased in the last 4 months were damaged, and I am not sure whether they qualify for a purchase protection (accidental damage) since they were in a trunk or on the roof of car. My bag with new laptop hit my daughter's trumpet (all bought end of August/beginning of September). Laptop is broken, trumpet is dented (seriously - was cheap one, but for trumpet cheap still means $300). Our roof cargo box (Thule, used it only once:/) is cracked. Even do not know how to approach that, whether it is a valid claim since all that happened irrelevant to those items - there were only at the time of accident in a car. Can someone comment whether it is worth to file a claim, or swallow it as I it would look like I am an idiot (has only police report as regards car, no description of Thule, trumpet, laptop damages), and be happy I am without any hurt.
At least three of the items purchased in the last 4 months were damaged, and I am not sure whether they qualify for a purchase protection (accidental damage) since they were in a trunk or on the roof of car. My bag with new laptop hit my daughter's trumpet (all bought end of August/beginning of September). Laptop is broken, trumpet is dented (seriously - was cheap one, but for trumpet cheap still means $300). Our roof cargo box (Thule, used it only once:/) is cracked. Even do not know how to approach that, whether it is a valid claim since all that happened irrelevant to those items - there were only at the time of accident in a car. Can someone comment whether it is worth to file a claim, or swallow it as I it would look like I am an idiot (has only police report as regards car, no description of Thule, trumpet, laptop damages), and be happy I am without any hurt.
Dec 14, 2018, 6:29 pm
#703
Join Date: Aug 2014
Posts: 736
Eh, got rear-ended today. Car has broken rear axle, and the whole was not my fault. Besides the fact the car is non-drivable currently, and only 4 months old, the impact made some other damages which I am discovering right now.
At least three of the items purchased in the last 4 months were damaged, and I am not sure whether they qualify for a purchase protection (accidental damage) since they were in a trunk or on the roof of car. My bag with new laptop hit my daughter's trumpet (all bought end of August/beginning of September). Laptop is broken, trumpet is dented (seriously - was cheap one, but for trumpet cheap still means $300). Our roof cargo box (Thule, used it only once:/) is cracked. Even do not know how to approach that, whether it is a valid claim since all that happened irrelevant to those items - there were only at the time of accident in a car. Can someone comment whether it is worth to file a claim, or swallow it as I it would look like I am an idiot (has only police report as regards car, no description of Thule, trumpet, laptop damages), and be happy I am without any hurt.
At least three of the items purchased in the last 4 months were damaged, and I am not sure whether they qualify for a purchase protection (accidental damage) since they were in a trunk or on the roof of car. My bag with new laptop hit my daughter's trumpet (all bought end of August/beginning of September). Laptop is broken, trumpet is dented (seriously - was cheap one, but for trumpet cheap still means $300). Our roof cargo box (Thule, used it only once:/) is cracked. Even do not know how to approach that, whether it is a valid claim since all that happened irrelevant to those items - there were only at the time of accident in a car. Can someone comment whether it is worth to file a claim, or swallow it as I it would look like I am an idiot (has only police report as regards car, no description of Thule, trumpet, laptop damages), and be happy I am without any hurt.
Dec 21, 2018, 8:05 am
#704
Join Date: Mar 2006
Posts: 107
Yea, have you settled with the insurance company of the person who hit you yet?. If not, I would get the receipts in order for all those things and then use that with the insurance company of the person who hit you. Especially the cargo box as it is an automotive add on like lights or performance parts would be. If everyone is in 100% agreement that it isn't your fault the insurance company should be really anxious to pay you off for these things in exchange for you to agree it is settled and not going to court.
Dec 21, 2018, 8:11 am
#705
Join Date: Jan 2010
Posts: 698
Eh, got rear-ended today. Car has broken rear axle, and the whole was not my fault. Besides the fact the car is non-drivable currently, and only 4 months old, the impact made some other damages which I am discovering right now.
At least three of the items purchased in the last 4 months were damaged, and I am not sure whether they qualify for a purchase protection (accidental damage) since they were in a trunk or on the roof of car. My bag with new laptop hit my daughter's trumpet (all bought end of August/beginning of September). Laptop is broken, trumpet is dented (seriously - was cheap one, but for trumpet cheap still means $300). Our roof cargo box (Thule, used it only once:/) is cracked. Even do not know how to approach that, whether it is a valid claim since all that happened irrelevant to those items - there were only at the time of accident in a car. Can someone comment whether it is worth to file a claim, or swallow it as I it would look like I am an idiot (has only police report as regards car, no description of Thule, trumpet, laptop damages), and be happy I am without any hurt.
At least three of the items purchased in the last 4 months were damaged, and I am not sure whether they qualify for a purchase protection (accidental damage) since they were in a trunk or on the roof of car. My bag with new laptop hit my daughter's trumpet (all bought end of August/beginning of September). Laptop is broken, trumpet is dented (seriously - was cheap one, but for trumpet cheap still means $300). Our roof cargo box (Thule, used it only once:/) is cracked. Even do not know how to approach that, whether it is a valid claim since all that happened irrelevant to those items - there were only at the time of accident in a car. Can someone comment whether it is worth to file a claim, or swallow it as I it would look like I am an idiot (has only police report as regards car, no description of Thule, trumpet, laptop damages), and be happy I am without any hurt.
That said, read the purchase protection policy. You should be able to figure out what if any coverage you might have.