American Express

Key Definitions:

• Accident: A sudden, unforeseen, and unexpected event.
• Card Member: A holder of an American Express card who is a U.S. citizen or legal resident.
• Common Carrier: A mode of transportation that requires a ticket purchase, such as buses, trains, or airlines.
• Covered Trip: A fully paid trip using the eligible Amex card, lasting up to 365 days from departure.

Covered Losses:

• Accidental injury, sickness, or death of the traveler, family member, or companion.
• Severe weather conditions making travel impossible.
• Changes in military orders.
• Terrorist actions or hijacking.
• Jury duty or court subpoena that cannot be postponed.
• Traveler’s residence becoming uninhabitable.
• Quarantine imposed by a physician for health reasons.

Coverage Details:

1. Trip Cancellation:

• Reimburses non-refundable airfare, hotel, or cruise expenses.
• If a physician advises against travel, the traveler must notify the travel provider immediately.

2. Trip Interruption:

• Covers non-refundable flight and accommodation costs.
• Provides additional transportation expenses (up to economy-class airfare).
• If departure is delayed, covers the cost difference for a rescheduled ticket.

Coverage Limits:

• Trip Cancellation: Up to $10,000 per trip and $20,000 annually.
• Trip Interruption: Up to $10,000 per trip and $20,000 annually.
• Coverage is secondary, meaning other applicable travel insurance benefits are used first.

Exclusions:

• Pre-existing conditions.
• Suicide or self-inflicted injury.
• War or mental health disorders (except hospitalization).
• Professional sports injuries.
• Accidents due to intoxication.
• Criminal activities or illegal acts.
• Skydiving, motor racing, and other high-risk activities.
• One-way trips without a return ticket.
• Financial insolvency of travel agencies.

How to File a Claim:

• Notify the insurance administrator within 60 days of the incident.
• Notify the travel provider and follow their cancellation process.
• Required documents include flight tickets, travel receipts, card statements, and medical reports.
• Claims can be submitted online at aig.claimnotify.com/americanexpress.

When you pay the entire fare for a trip using your eligible American Express card, you're automatically covered for lost, damaged, or stolen baggage.

Who is covered:

• Card Member
• Spouse or Domestic Partner
• Dependent children under 23 (or older if handicapped and dependent)

Coverage Limits (per trip):

• Carry-on baggage: Up to $1,250
• Checked baggage: Up to $500
• High-risk items (e.g., electronics, jewelry): Up to $250 total
• NY Residents: Up to $10,000 aggregate per trip

Covered scenarios:

• During direct transit to/from the carrier terminal
• While at the terminal
• While aboard a common carrier (plane, train, ship, bus)

What’s not covered: Items like passports, cash, food, prescription drugs, eyeglasses, and freight-shipped property are excluded.

How to file a claim:

• Visit: americanexpress.com/onlineclaim
• Or call: 1-800-228-6855 (or 1-303-273-6497 collect, if international)
• Provide notice within 30 days and proof of loss within 60 days

Note: This coverage is secondary, meaning it pays only after other insurance or the carrier settles first.

When you reserve and pay for a rental car using your eligible American Express card and decline the rental company’s collision damage waiver (CDW), you may be covered for damage to or theft of the rental vehicle.

Who is covered:

• Card Member (Eligible Renter)
• Spouse or Domestic Partner
• Authorized Drivers listed on the Rental Agreement

Coverage Details:

• Covers up to $50,000 per rental for damage or theft
• Valid for up to 30 consecutive days per rental
• Covers loss of use, towing, storage, depreciation, and admin fees (when required by law)
• Coverage is secondary to other insurance or reimbursements
• Excludes rentals in Australia, Italy, New Zealand, and OFAC-sanctioned countries

What’s not covered:

• Damage to tires (unless from fire or vandalism)
• Off-road use, intoxicated drivers, or unauthorized drivers
• Rental trucks, antique cars, motorcycles, RVs, and peer-to-peer car shares
• Damage to anything other than the rental car

How to activate coverage:

• Pay for the entire rental with your eligible Amex card
• Decline full CDW and similar coverage at the rental counter
• Be listed as the renter on the Rental Agreement

How to file a claim:

• Visit: americanexpress.com/protectionbenefits
• Call: 1-800-338-1670 (or 1-303-273-6497 collect, if overseas)
• Provide notice of claim within 30 days
• Submit proof of loss within 60 days

Plan Activation:

• Products purchased with an American Express card are automatically covered under the Purchase Protection Plan.
• No separate registration is required.

Coverage:

• Covers damage or theft within 90 days from the purchase date.
• Includes various incidents such as accidental damage, fire, and theft.
• Gifts purchased for others are also covered.

Exclusions:

• Used products, animals, plants, vehicles, and real estate are not covered.
• Jewelry, artwork, and collectibles may have coverage limits.
• Loss, deterioration, and natural wear and tear are excluded.

How to File a Claim:

• File a claim by calling the American Express customer service center or online.
• Claims must be filed within 30 days of the incident.
• Submit necessary documents such as purchase receipts, accident reports, and police reports.

Additional Terms and Definitions:

• Additional terms apply, including compensation limits, disclaimers, and dispute resolution procedures.
• Provides definitions for terms specified in the terms and conditions.

Notes:

• Coverage and conditions may vary depending on the American Express card type and country.
• For more details, visit the American Express website or contact the customer service center.

The Amex Purchase Protection Plan provides cardholders with an extra layer of security, allowing them to shop with confidence.

When you purchase eligible items using your American Express card, this benefit extends the original manufacturer’s warranty by up to 1 additional year.

Who is covered:

• Card Member (the primary cardholder who made the purchase)

Coverage Details:

• Applies to items with original warranties of 5 years or less
• Coverage begins after the manufacturer’s warranty and/or service contract ends
• Covers up to $10,000 per item and $50,000 per card per calendar year
• Only the portion of the item paid for with your Amex card is covered

What’s not covered:

• Items like antiques, used goods, consumables (food, batteries), software, living plants/animals, land, or downloadable products
• Items purchased for resale or professional/commercial use
• Items not charged to the Amex card, or where the warranty exceeds 5 years
• Damage not covered by the original warranty (e.g., due to natural disasters or power surges unless covered originally)

How to activate coverage:

Just pay with your eligible Amex card. If you use Amex Membership Rewards or Pay with Points, those purchases still qualify.

How to file a claim:

• Visit: americanexpress.com/onlineclaim
• Or call: 1-800-228-6855 (international: 1-303-273-6497 collect)
• Provide notice of claim within 30 days
• Submit proof of loss within 60 days (receipt, warranty, photos, repair estimate)

Overview

This insurance is provided by New Hampshire Insurance Company (an AIG company) and applies to specific American Express card members. To be eligible for protection, you must pay your monthly cell phone bill using an enrolled American Express card.

Coverage Details

• Coverage for stolen or damaged cell phones, including cracked screens, up to $800 per claim.
• $50 deductible per claim applies.
• A maximum of two (2) claims per 12-month period is allowed.
• Reimbursement is based on the lesser of the repair cost or replacement value, up to the policy limit.

Eligibility Conditions

• The monthly cell phone bill must be paid with an eligible American Express card to maintain coverage.
• Claims must be reported within 90 days of the loss, and all required documentation must be submitted within 120 days.

Exclusions from Coverage

• Accessories (except for standard battery and antenna).
• Lost phones or Mysterious Disappearance (unexplained loss without evidence of theft).
• Loss or damage while in transit (e.g., postal services, airlines, delivery companies).
• Rented, leased, or prepaid phones.
• Damage due to natural disasters (e.g., floods, earthquakes), war, illegal activities.
• Damage covered under a manufacturer’s warranty.

Claim Filing Process

Call 1-833-784-1467 or file a claim online at aig.claimnotify.com/americanexpress.

Required documents include:

• Police report (for theft claims).
• Repair estimate (for damage claims).
• Purchase receipt, card statement, and other supporting documents.

Legal Terms

• The insurer may change or terminate benefits at any time with prior notice to card members.
• Fraudulent claims will result in forfeiture of all benefits.

Overview

The Return Protection program offers an extended return policy for eligible items charged entirely on an eligible American Express card. If you try to return an eligible item within 90 days from the date of purchase and the merchant won’t accept it, American Express may refund the full purchase price, up to $300 per item, excluding shipping and handling charges, and up to a maximum of $1,000 per card member account per calendar year.

How to File a Return Protection Request

If the merchant refuses to accept the return, call 1-800-228-6855 within 90 days of the purchase date to notify us of your request.

Within 30 days from the initial call, submit the following documents:

• A copy of the original store receipt
• A copy of the American Express card record of charge
• Any other items deemed necessary to process your request

Limitations and Exclusions

Purchases must be made in the United States and certain territories, and charged in full on an eligible card.

Refunds are limited to $300 per eligible item and $1,000 per card member account per calendar year.

Items must be in original purchase condition and working order.

Certain items are excluded from refunds (e.g., animals, plants, jewelry, services, used items, software, health care items, personal hygiene items, formal wear, tickets, motorized vehicles, land, buildings, firearms, cash equivalents, seasonal items).

Items Not Eligible for a Refund

• Animals and living plants
• One-of-a-kind items (antiques, artwork, furs)
• Limited edition items
• Going-out-of-business sale items
• Consumable or perishable items (food, perfume, light bulbs, batteries)
• Jewelry (loose gems, precious stones, metals, pearls)
• Watches
• Services and additional costs (installation charges, warranties, shipping, handling, memberships)
• Rare and precious coins
• Used and/or altered items (purchases at auction sites, second-hand stores)
• Custom-built items
• Compact discs, digital video discs, mini discs, audiotapes, videotapes
• Computer software
• Firmware (console games, etc.)
• Maps
• Books, magazines, periodicals
• Health care items and medical equipment (blood pressure machines, diabetes equipment, maternity care items)
• Personal hygiene items (electrical or non-electrical toothbrushes, razors, medical or non-medical devices)
• Formal wear (bridal wear, gowns, prom dresses, tuxedos)
• Tickets (transportation passes, event tickets)
• Motorized vehicles (cars, trucks, motorcycles, boats, airplanes), parts and accessories
• Land, buildings, fixtures (central air conditioner, built-in kitchen appliance, water heater)
• Firearms
• Ammunition
• Negotiable instruments (promissory notes, stamps, travelers checks)
• Cash and equivalents (gift cards, gift certificates)
• Items permanently affixed to home, office, vehicles (garage door openers, car alarms)
• Seasonal items (holiday decorations, costumes)

Fraud Prevention If any request for benefits is determined to be fraudulent, all benefits will be forfeited. Concealing or misrepresenting any material fact with the intent to deceive will also result in forfeiture of benefits.