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[Updated With More Changes] Major Changes Are Coming For American Express Benefits! Master Chart Of What’s Being Added And Removed - https://www.dansdeals.com/credit-cards/major-changes-coming-american-express-benefits-master-chart-whats-added-removed/


$300 per item, 1K per card per year. So if you have an SPG card and a PRG card you'll only have 2k of total RP coverage, regardless of how many AUs you have on each card.

If you are unsure if an item qualifies for RP, then instead of asking for opinions here (slightly better than asking medical advice on facebook mind you), PUTPAC and ask the RP reps. You don't need to give your name or card info, just say you have an item or you will be buying an item and the store has a crappy return policy and want to make sure if there is a problem you can return it.


Direct number: 800-225-3750

Link to Claims Center: https://online.americanexpress.com/myca/onlineclaims/us/onlineclaims.do?request_type=authreg_onlineclaims&intlink=us-ser-onlineclaims-welcome-claimscenter
or
Return Protection:  www.americanexpress.com/return This is for when, in the first 3 months, the original seller won't accept a return, and the product is still in new condition.
Purchase Protection:  www.americanexpress.com/purchase This is for when, in the first 3 months, a purchase is lost, stolen, or broken.
Extended Warranty: www.americanexpress.com/warranty This covers only what the original warranty covers and extends it for up to 1 year.

Amex can approve RP claims even after the card is closed/cancelled, though YMMV.

CLICK HERE to see the full T&C for the Return Protection on your specific Amex card.

Author Topic: AMEX Return Protection: Did They Make You Return The Item?  (Read 1465349 times)

Offline ludmila

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4740 on: January 24, 2025, 10:38:00 PM »
I got my response after a week.
Same
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Offline jl75

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4741 on: January 26, 2025, 02:40:09 AM »
I got my response after a week.

I finally did, too, after seven or eight days from the time that I submitted the claims. Two were approved outright (one for under $100, one for under $200), but for the third, which was over $200, they requested the usual evidence.

Also, just to follow-up on what I wrote before about them putting claims into a "dormant" status if you don't submit the requested documentation within 60 days, I finally found the letter that they sent me a couple years ago when I let one of my claims lapse. The first paragraph reads as follows:

"Your claim has been placed in a closed status as we did not receive the required Proof of Loss documentation needed to proceed with your claim. We will not send you any additional correspondence on this claim. Please note that your claim has not been denied; however, in order to re-open your claim, we need you to provide Proof of Loss documents as described below. Upon our receipt and review of this information, we will be in a better position to make a determination regarding your claim."

Just FYI for anyone who hasn't experienced that before!

Offline 1najol1

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4742 on: January 27, 2025, 12:42:57 AM »
I finally did, too, after seven or eight days from the time that I submitted the claims. Two were approved outright (one for under $100, one for under $200), but for the third, which was over $200, they requested the usual evidence.

Also, just to follow-up on what I wrote before about them putting claims into a "dormant" status if you don't submit the requested documentation within 60 days, I finally found the letter that they sent me a couple years ago when I let one of my claims lapse. The first paragraph reads as follows:

"Your claim has been placed in a closed status as we did not receive the required Proof of Loss documentation needed to proceed with your claim. We will not send you any additional correspondence on this claim. Please note that your claim has not been denied; however, in order to re-open your claim, we need you to provide Proof of Loss documents as described below. Upon our receipt and review of this information, we will be in a better position to make a determination regarding your claim."

Just FYI for anyone who hasn't experienced that before!
Had the same thing. The first time I can remember that I had a claim for over $100, (almost 200) that has been approved outright.

Offline shapsam

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4743 on: February 07, 2025, 07:33:32 AM »
They're asking for proof of the return attempt. I don't know how I can prove that I called the store and they won't allow returns after the 14 day policy.

Did anyone get such a request?

Offline Yo ssi

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4744 on: February 07, 2025, 08:45:36 AM »
They're asking for proof of the return attempt. I don't know how I can prove that I called the store and they won't allow returns after the 14 day policy.

Did anyone get such a request?
Email them?
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Offline shmooz

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4745 on: February 07, 2025, 09:31:49 AM »
They're asking for proof of the return attempt. I don't know how I can prove that I called the store and they won't allow returns after the 14 day policy.

Did anyone get such a request?

Insurance companies are funny, I would call the store, get the name of the person I spoke to, write up the conversation, with date and time, sign it and submit. Good chance they accept it.