Reason For Restricting The American Express Purchase Protection?

American Express purchase Protection is one of the strongest benefits provided by American Express credit cards and it may wind up saving you hundreds (or even thousands) of dollars.

So when will the payment be produced?

If your claim is accepted by Amex Claims, it is going to soon be paid within 30 days upon them receiving all of the necessary documentation required for your claim.

American Express purchase protection limits

The total amount that you’ll be Covered for the credit card purchase protection depends on the American Express card that you used for the purchase.

Here are some examples of this Different limits imposed for different cards. Notice the significant difference between the top cards like the Platinum Card cards with limits of $10,000 per thing and also the other cards with substantially lower limits of 1,000.

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Are there state specific rules?

  1. You should always inspect the conditions And conditions for the special Amex card because there could be very different rules depending on the state that you live in.
  2. As an Example, some states get Coverage for approximately 120 days from the day of order in the place of ninety days.

The Way to file an American Express Purchase protection case?

In order to receive your own Coverage, you must provide both Notice of Claim and Proof of Loss.

Notice of Claim

As stated, Notice of Claim ought to Be provided to Amex over 1 month of this incident. To give note you’re able to telephone Amex at the following telephone number: 1-800-322-1277 or, if from overseas, by telephoning collect 1-303-273- 6498.

You can also email them at:

  1. Purchase Security Disability Unit,
  2. PO Box 981553
  3. El Paso TX 79998- 9920.

When for any reason you do not file Within thirty days observe that you can still submit your claim provided that they can be shown the Notice of Claim was given as soon as reasonably possible.

What’s American Express purchase protection?

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American Express purchase Protection will protect your purchases whenever they’re accidentally damaged, Stolen, or lost, for as many as 90 days from the date of purchase. The payoff Will be to the lesser of: a. the expense to repair the thing; b. the cost to Replace the item; or c. compensation to your item.

Amex Purchase Protection Pairing Deadlines

The first thing that you Want to Be more aware of is that the buy coverage American Express Claims have parties that are explicit.

90 days from purchase

For the item to be eligible for Policy, you have to have purchased it together with your Card within 90 days.

Note that some states like Arizona and Texas are given protection up to 120 days from the time of purchase.

1 Month to record

You must file a claim within 30 Days from the date your item is stolen or accidentally damaged.

For Those Who Have a good excuse regarding Why you were not able to file your claim within 1 month, Amex can still let you file your claim.