Lost/stolen iPad- will purchase protection cover it?
May 5, 2018, 7:26 am
#16
Join Date: Sep 2006
Posts: 55
A couple things for any future readers:
If you have better coverage on another AMEX (e.g., I have an AMEX Platinum and an SPG AMEX, but charge most things to the SPG card), AMEX will provide the same (higher) level of coverage to purchases on all cards
I left an iPhone in a BA CW seat drawer and it was never found. I was beyond the first 90 days since purchase, but AMEX was happy to cover the phone under the insurance for carry-on baggage (which also has a higher limit than purchase protection) since I'd bought my BA ticket on my AMEX card and they considered the phone to be part of my carry-on baggage.
If you have better coverage on another AMEX (e.g., I have an AMEX Platinum and an SPG AMEX, but charge most things to the SPG card), AMEX will provide the same (higher) level of coverage to purchases on all cards
I left an iPhone in a BA CW seat drawer and it was never found. I was beyond the first 90 days since purchase, but AMEX was happy to cover the phone under the insurance for carry-on baggage (which also has a higher limit than purchase protection) since I'd bought my BA ticket on my AMEX card and they considered the phone to be part of my carry-on baggage.
May 25, 2018, 7:02 am
#18
Suspended
Join Date: Aug 2010
Location: DCA
Programs: UA US CO AA DL FL
Posts: 50,262
I would never call the service provider to ask a question such as this. Read the policy itself.
Not only does the service provider have an incentive to tell you that whatever it is is not covered, but you are dealing with low-level service center employees who are poorly-trained, likely have never read the document and likely only want to move on to the next call.
Not only does the service provider have an incentive to tell you that whatever it is is not covered, but you are dealing with low-level service center employees who are poorly-trained, likely have never read the document and likely only want to move on to the next call.
May 25, 2018, 7:26 am
#19
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,949
Agreed, up to a point. American Express practice frequently deviates from policy, almost always in the customer's favor. The written policy won't tell you that the claim will be paid based on the best card that you hold.
Once upon a time there was an official American Express (USA) representative on Flyertalk, and she confirmed the practice of applying the terms of the best card, but then retracted the statement a few days later.
Once upon a time there was an official American Express (USA) representative on Flyertalk, and she confirmed the practice of applying the terms of the best card, but then retracted the statement a few days later.
Jun 2, 2018, 8:27 pm
#20
Join Date: Sep 2006
Posts: 55
Just to add another DP, my lost claim was denied. Lost a Switch bought on personal SPG and have a Plat, denied because:
"...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;..."
It still might depend on your insurance underwriter on a case by case basis though.
"...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;..."
It still might depend on your insurance underwriter on a case by case basis though.
