Fillable Extended Warranty Plan Documents 1/1/2020 (American Express)

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Extended Warranty Plan Documents 1/1/2020 (American Express)

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Extended Warranty
Plan Documents
Applicable to Purchases made on or after:
1/1/2020
Contents
All States (except below), District of Columbia, and U.S. Territories ............. ....2 - 9
10/1/2020
Contents
New York State ................................................................................................. ...2 - 9
Applicable to Purchases made between:
1/1/2020 and 9/30/2020
Contents
New York State ................................................................................................. 10 - 15
9/1/2017 and 12/31/2019
Contents
All States (except below), District of Columbia, and U.S. Virgin Islands......... 16 - 33
A
rizona and Texas ............................................................................................ 34 - 42
Guam and Northern Mariana Islands ............................................................... 43 - 46
Indiana ............................................................................................................... 47 - 53
Oregon ............................................................................................................... 54 - 59
Puerto Rico........................................................................................................ 60 - 66
Washington ........................................................................................................ 67 - 72
To file a claim electronically for a qualifying event please visit us at americanexpress.com/onlineclaim.
For any coverage inquires related to purchases made prior 9/1/2017 please refer to your
Additional Card Benefits document delivered with your American Express Card
1 | Page 314-399
Rev. 10/01/2020
Extended Warranty
Benefit Guide
This Benefit Guide describes the Extended Warranty benefits. Information in this Benefit Guide
replaces any Extended Warranty benefits document You may have received previously for Your
Additional Card Benefits as of the Effective Date listed in the Additional Terms section. Read this Benefit
Guide carefully.
Capitalized and bold words that are not section headings have special meanings and are defined
throughout this Benefit Guide.
Shop with more confidence. You can shop with less worry knowing the terms of the Original
Manufacturer’s Warranty can be extended up to 1 additional year when you use your Eligible Card
to make a Covered Purchase. Applies to warranties of 5 years or less on Covered Purchases in the
United States or its territories or possessions.
Key Terms
You or Your means the Card Member who carries an Eligible Card.
We, Us, or Our means American Express.
American Express means American Express Travel Related Services Company, Inc., or its
participating subsidiaries, affiliates or licensees.
Card Member means the authorized user of an Eligible Card.
Claim means a request of a Card Member or Eligible Beneficiary that We Pay for a Covered
Event.
Covered Event means an unintentional event or occurrence that qualifies for benefit
consideration.
Eligible Beneficiary means the Card Member or other intended beneficiary entitled to make a
Claim.
Eligible Card means those card types designated as eligible for benefits by American Express.
Pay means a credit to the Eligible Card of the Eligible Beneficiary, or if that is not feasible, a
payment by check to the Eligible Beneficiary.
All States, District of Columbia, and U.S. Territories
2 of 72
2 | Page 314-399
Rev. 10/01/2020
How to Activate Benefits
Coverage is activated each time a Card Member makes an Eligible Payment for a Covered
Purchase.
What is an Eligible Payment?
The amount of the one original worldwide charge to an Eligible Card for the purchase of a
tangible item of property for personal or business use or as a gift.
Can rewards points be redeemed towards an Eligible Payment?
Yes, purchases on Eligible Cards that are combined with American Express Loyalty
Programs, such as Membership Rewards® points or Pay with Points, would qualify for benefits.
However, other Loyalty Programs (i.e. Non-American Express) DO NOT qualify on purchases
redeemed in part or full towards the Covered Purchase.
What is a Covered Purchase?
It is the tangible item of property purchased as a gift or personal or business use and charged
to an Eligible Card.
What is Covered?
Any Covered Purchase which experiences an Extended Warranty Covered Event during the
Extended Warranty Coverage Period as described below.
Benefits are provided for Replacement Cost up to the lesser of the Eligible Payment or the
per item and calendar year maximums as described below.
Extended Warranty
Covered Period
Original
Manufacturer’s
Warranty Period
Per Item
Up to one (1)
additional year
On Original
Manufacturer’s
Warranties of five (5)
years or less.
Up to $10,000 per
Covered
Purchase
Eligible Card
What is Extended Warranty?
It is the protection that matches the Original Manufacturer’s Warranty provided for a Covered
Purchase if an Extended Warranty Covered Event occurs during the Extended Warranty
Coverage Period.
All States, District of Columbia, and U.S. Territories
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3 | Page 314-399
Rev. 10/01/2020
What is an Extended Warranty Covered Event?
An event that matches the Original Manufacturer’s Warranty.
When does the Extended Warranty Coverage Period Start?
It begins after the longer of the Original Manufacturer’s Warranty coverage and/or Purchase
Service Contract expiration.
What is an Original Manufacturer’s Warranty?
It is the express written full or limited warranty for defects in material and/or workmanship
provided by the original manufacturer of the Covered Purchase and which is valid in the United
States, District of Columbia or its territories or possessions.
What is a Purchase Service Contract?
It is a paid agreement to repair or replace an Extended Warranty Covered Purchase that is
not the Original Manufacturer’s Warranty.
Is the total cost of the Covered Purchase eligible for coverage?
Only the Covered Purchase amount which was charged to the Eligible Card qualifies for
benefits under Extended Warranty and is subject to the maximums described above.
What happens if the Original Manufacturer’s Warranty coverage and/or
Purchase Service Contract agreement prematurely ends?
If the Card Member is notified the Original Manufacturer’s Warranty coverage and/or
Purchased Service Contract has prematurely expired for any reason including bankruptcy of
the responsible party, Extended Warranty benefits will apply as of the date of the premature
expiry and continue to provide coverage, for up to the lesser of a period matching the Original
Manufacturer’s Warranty period or the maximum Extended Warranty Coverage Period,
subject to the maximums described above.
What is Not Covered?
ANY COVERED EVENT BASED UPON OR ARISING OUT OF:
A. war or acts of war (whether declared or undeclared), service in the armed forces or units
auxiliary to it.
NO COVERAGE IS PROVIDED FOR:
A. A Covered Purchase which is/are:
1. covered by an unconditional satisfaction guarantee;
2. damaged through alteration or modification of any kind;
3. animals or living plants;
All States, District of Columbia, and U.S. Territories
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4 | Page 314-399
Rev. 10/01/2020
NO COVERAGE IS PROVIDED FOR: (CONTINUED)
4. one-of-a-kind items including antique, artwork, furs, or previously owned and used
items (except when refurbished by the original manufacturer);
5. purchases that are consumable or have a limited life span like food, perfume, light
bulbs, batteries, etc.;
6. credit cards, securities, documents and tickets, travelers checks and other negotiable
instruments including gift certificates, gift cards, gift checks, food stamps, cash or its
equivalent, notes, accounts, bills, currency, deeds, evidences of debt or intangible
property, rare stamps or coins;
7. items that are rented, leased or borrowed;
8. Motorized Devices or Motorized Device Parts, except for Motorized Devices and
Motorized Device Parts that are permanent residential or business fixtures that can
be removed without damaging the structure;
9. permanent residential or business fixtures, additions or built-ins that can’t be removed
without damaging the structure;
10. land or buildings;
11. more than one article in a pair or set. Coverage will be limited to no more than the
value of any particular part or parts, unless the articles are unusable individually and
cannot be replaced individually, regardless of any special value they may have had
as part of a set or collection;
12. downloadable services, application programs, computer programs, operating
software, firmware and other software of any kind;
13. items voluntarily or involuntarily discarded;
14. indirect or direct damages to any other item or property resulting from a Covered
Event;
15. items purchased for use as resale (i.e., goods purchased as inventory for sale); or
16. items purchased for professional or commercial use including education, training or
skills, or to be used in professional competition.
B. A Covered Purchase that also includes:
1. charges for shipping, handling, installation, assembly, professional advice,
maintenance or other service fees, warranties or memberships including costs or fees
in addition to the Replacement Cost;
2. rebates, discounts or money from lowest price programs;
3. any legal defense costs or expenses;
4. any request to return a Covered Purchase by a retailer, wholesaler, or manufacturer
including product recall;
5. additional service contract, Extended Warranty coverage or Purchased Service
Contract for a computer, computer component or part that is bought which already
comes with an Original Manufacturer’s Warranty and/or retailer’s warranty, unless
such coverage is provided and administered by the original manufacturer; and
6. repairs not completed at an authorized repair facility or other repair facility acceptable
under the Original Manufacturer’s Warranty or using aftermarket parts not approved
by the Original Manufacturer’s Warranty.
All States, District of Columbia, and U.S. Territories
5 of 72
5 | Page 314-399
Rev. 10/01/2020
NO COVERAGE IS PROVIDED FOR: (CONTINUED)
C. An Extended Warranty Covered Event that includes:
1. physical damage, including damage as a direct result of Natural Disaster or a power
surge, except to the extent the Original Manufacturer’s Warranty covers such
physical damage; or
2. Eligible Beneficiary’s participation in a felony, riot, civil disturbance, protest or
insurrection.
D. An Extended Warranty Coverage Period that includes:
1. a duration where the combination of the Original Manufacturer’s Warranty coverage
and/or Purchase Service Contract exceeds five (5) years.
If You have any questions about a specific item, please call Us at 1-800-228-6855, if
international, collect at 1-303-273-6498.
How to File a Claim
A. To file a Claim for a Covered Event please visit us at americanexpress.com/onlineclaim
or call 1-800-228-6855, if international, collect at 1-303-273-6498.
B. Notice of Claim should be provided within thirty (30) days of the loss or as soon as
reasonably possible.
C. If required, claim forms will be sent to the Eligible Beneficiary once proper Notice of
Claim is received. If it is not received within fifteen (15) days from Notice of Claim then
the Eligible Beneficiary can submit written communication that describes the
circumstances and extent of the Covered Event for which the Claim is made.
Proper Notice of Claim conditions are met by answering all relevant claim intake
questions.
D. Proof of Loss must be submitted to Us within sixty (60) days; however, failure to do so
will not invalidate a Claim or reduce any available benefit if it can be shown that it was
provided as soon as reasonably possible. Examples of Proof of Loss We may require:
1. the original itemized store receipt with applicable sales tax included;
2. a copy of the Original Manufacturer’s Warranty coverage and any Purchase
Service Contract agreement (if applicable); and
3. a photograph of and/or completed repair estimate form.
E. A Claim for benefits will be paid within thirty (30) days (or in accordance with applicable
State law) after receipt of satisfactory Proof of Loss and Our determination that such
Claim is payable. Any payment made by Us in good faith will fully discharge Us to the
extent of such payment.
All States, District of Columbia, and U.S. Territories
6 of 72
6 | Page 314-399
Rev. 10/01/2020
How are benefits paid on installment billing plans?
A Claim for benefits related to Covered Purchases under an installment plan will be paid
up to the lesser of the Eligible Payment or per item maximum as described in the “What is
Covered?” section for
• the total installment plan Eligible Payment as of the date of the Covered Event; or
• the last remaining installment plan balance if it has been fully paid with an Eligible
Payment.
Billing installments for the same Covered Purchase do not restart the Coverage Period for
that Covered Purchase.
The Eligible Beneficiary must Cooperate with Us in adjusting the Claim.
Additional Terms & Definitions
Additional Terms
A. Assignment
The Extended Warranty benefits may not be assigned and any implied assignment is
void.
B. Benefit Guide
This Benefit Guide is not, by itself, a policy or contract of insurance or other contract.
The insurance benefits are provided under the Commercial Card Issuer Retail Insurance
Policy issued by AMEX Assurance Company to the named Policyholder for which
American Express Travel Related Services Company, Inc. participates. This Benefit
Guide is a summary of benefits provided to You. All terms and conditions stated herein
are governed by the Insurance Policy.
In case of a conflict between the Benefit Guide and Insurance Policy, the Insurance Policy
shall control.
Who is American Express Travel Related Services Company, Inc.?
It is a wholly owned subsidiary of American Express who is responsible for offering
Extended Warranty benefits to eligible Card Members.
C. Cancellation/Benefit End Date
1. We may cancel these benefits at any time by providing notice to You; or
2. Benefits will end automatically on the earliest of the following:
a. the date when the Eligible Card is cancelled or terminated; and/or
b. the date when You are no longer a Card Member.
All States, District of Columbia, and U.S. Territories
7 of 72
7 | Page 314-399
Rev. 10/01/2020
Additional Terms (Continued)
Are benefits still eligible when the Card Account is no longer active?
Yes, if the Eligible Payment is made for a Covered Purchase prior to the effective date
of the benefit cancellation.
D. Criminal Activity/Fraud
An Eligible Beneficiary’s right to seek or obtain Extended Warranty benefits may be
cancelled due to alleged criminal activity, deceit, fraud, material misrepresentation,
excessive or abusive Claims.
E. Effective Date
Your Extended Warranty benefits take effect for eligible purchases made on and after:
• January 1, 2020 when other than a New York State Card Member
• October 1, 2020 when a New York State Card Member
This Benefit Guide replaces any Extended Warranty benefit document You may have
received previously for Your Additional Card Benefits. We reserve the right to change the
benefits and terms of these benefits at any time.
F. Trade and Economic Sanctions
No insurance benefits apply if providing insurance, including
Payment of Claims, violates law or regulation, including trade or economic sanctions.
Additional Definitions
Cooperate means the Card Member and the Eligible Beneficiary (or someone acting on
the behalf of the Card Member or Eligible Beneficiary) helping Us determine whether the
Card Member has a Covered Event, and how much We Pay. This includes things like the
Card Member submitting a Claim to Us on time, giving Us the details of what happened,
providing Proof of Loss, recorded statement, or permission to obtain documents from third
parties, reporting to an appropriate law enforcement agency as soon as reasonably possible,
and generally doing whatever is reasonably necessary for Us to honor Our commitment to
an Eligible Beneficiary, including recoveries from third parties.
Loyalty Program means the award of points or other measures redeemable for benefits
offered by the Loyalty Program, such as reward points earned for using a product or service.
Motorized Devices means machines with a motor or engine or other power source used for
agriculture, construction, demolition, landscaping, recreational or transportation purposes.
This includes such machines as aircraft, chain saws, generators, golf carts, heaters, motor
boats, motor vehicles, motorcycles, refrigerators, scooters and snowmobiles or other items
that can be towed by or attached to any Motorized Device, including trailers.
Motorized Device Parts means items subject to combustion, severe wear and tear or
mileage stipulations, including components, equipment or parts.
All States, District of Columbia, and U.S. Territories
8 of 72
8 | Page 314-399
Rev. 10/01/2020
Additional Definitions (Continued)
Natural Disaster means hurricanes, floods, tornados, earthquakes or any other event in the
course of nature that occurs at the same time or in separate instances that have been
declared a Natural Disaster by local authorities or governments.
Replacement Cost means the lesser of the cost (including applicable sales tax) to repair
with new material or replace with property of like kind and quality or reimbursement of the
Eligible Payment.
All States, District of Columbia, and U.S. Territories
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EXTENDED WARRANTY
DESCRIPTION OF COVERAGE
Underwritten by AMEX Assurance Company
Administrative Office, 18850 N 56th St, AZ08-02-02, Phoenix, AZ 85054
For purchases charged to Your Account, Extended Warranty will extend the terms of the original manufacturer's
warranty on warranties of five (5) years or less that are eligible in the United States of America, Puerto Rico or the
U.S. Virgin Islands, subject to exclusions and limitations described in this Description of Coverage. We will match
the length of the original warranty if the original manufacturer’s warranty is less than one (1) year, or we will provide
one (1) additional year if the original manufacturer’s warranty is between one (1) year and five (5) years. If the
original manufacturer’s warranty exceeds five (5) years, the product purchased is not eligible under this Plan and
no coverage applies.
INDEX
Definitions Section I
Description of Benefits Section II
Exclusions Section III
Claims Process Section IV
General Provisions Section V
Termination or Cancellation Section VI
Important Additional Information For You Section VII
I. DEFINITIONS
Certain words used in this Description of Coverage are capitalized throughout and have special meanings.
Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context
requires.
Account means Your American Express® Card Account on which the record of the charge for the item purchased
is made.
Card Member means a person who has been issued a United States of America based proprietary American
Express Card and who has a Permanent Residence in the 50 United States of America, the District of Columbia,
Puerto Rico or the U.S. Virgin Islands.
Company means AMEX Assurance Company.
Extended Warranty Period means a period of time equal to the length of the original manufacturer’s warranty
when the original warranty is less than one (1) year, or one (1) additional year if the original manufacturer’s warranty
is between one (1) year and five (5) years.
Loss means the product malfunction which necessitates the repair, replacement or reimbursement of any one
product, as covered by the terms of that product's original warranty, which is valid in the United States of America,
Puerto Rico or the U.S. Virgin Islands when the purchase of the product, whether for Your use or as a gift, has been
charged to Your Account.
Master Policyholder means American Express Travel Related Services Company, Inc.
Membership Rewards® Points means credits obtained through the Membership Rewards program available with
most American Express Cards, which are earned when making certain purchases with such cards. In some cases,
participating Card Members receive a redemption certificate in order to use their Membership Rewards points.
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Pay with Points is a process that may be available to an individual who accrues American Express Membership
Rewards Points and then uses the Membership Rewards Points to pay for an item by converting them to statement
credits to off-set some or all of the expense of that item reflected on the individual’s Account statement.
Permanent Residence means the one primary dwelling place where the Card Member resides and to which he/she
intend to return and, if necessary, can be evidenced by a current and active official form of Identification, examples
include, but are not limited to: State issued Identification Card, Driver License, and Voter Identification Card
Plan means the Policy and the benefits described therein.
Policy means the Group Insurance Master Policy (AX0953) issued by the Company to American Express Travel
Related Services Company, Inc.
We, Us and Our means the Company.
You and Your means the Card Member.
II. DESCRIPTION OF BENEFITS
What is Covered
We will pay Your Loss up to the actual amount charged to Your Account (including applicable sales tax) for
the item for which a Loss is claimed, but not to exceed the original cost of the item or $10,000, whichever is
less. If you incur multiple Losses for the same item, the aggregate payments too shall not exceed the lesser
of the original cost of the item or $10,000, whichever is less.
Only valid and reasonable repairs up to the purchase amount of the item made at a manufacturer and/or
retailer’s authorized repair facility are covered.
If You experience more than one Loss in a calendar year, We will pay an amount not to exceed $50,000 for
all Losses per Card Member Account in each calendar year. Our benefit payment will not include any product
rebates, discounts or money received from the lowest price comparison programs that reduced the original
cost of the item.
For Accounts enrolled in the Membership Rewards Points and/or Pay with Points program(s), an item is
eligible for coverage under this Plan if it was purchased through the redemption of Membership Rewards
Points and/or Pay with Points. Our benefit payment will not exceed the amount of the Membership Reward
Points and/or Pay with Points You redeemed to purchase the item. Benefits will not be paid when redemption
of Membership Rewards Points and/or Pay with Points have been transferred to a non-eligible card account
or non-Card Members.
Our benefit payment will not include payment of expenses or fees related to shipping and handling,
installation, assembly, professional advice, maintenance or other service charges related to the repair,
replacement or reimbursement of Your product.
Length of Coverage
Where a Loss has occurred during the Extended Warranty Period, We will provide a benefit equal to the
coverage of the original manufacturer's warranty on warranties of up to five (5) years.
If the item is also covered by a purchased service contract, the Extended Warranty Period begins at the end
of the purchased service contract and extends the original manufacturer’s warranty for a period of time equal
to the warranty, up to one (1) additional year.
If the combined coverage of the original manufacturer’s warranty and the purchased service contract exceed
five (5) years, the item purchased is not eligible for benefits under this Plan.
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If the Card Member is notified that a warranty has ended for any reason (including, but not limited to,
bankruptcy of the manufacturer or other responsible party), this Plan will continue to provide coverage, not
to exceed the original manufacturer’s warranty up to one (1) year from the date the Card Member is notified
of such event. The Card Member may be asked to provide proof of notification in the form of a public
announcement or other official documentation.
Only a Card Member has a legal and equitable right to any insurance benefit that may be available under
this Plan.
III. EXCLUSIONS
General Exclusions
Benef its are not payable if the Loss for which coverage is sought was directly or indirectly, wholly or partially,
contributed to or caused by:
1. war or acts of war (whether declared or undeclared), participation in a felony, riot, civil d isturbance,
protest or insurrections, service in the armed forces or units auxiliary to it;
2. any physical damage, including, but not limited to, damage as a direct result of natural disaster or a
power surge, except to the extent the original manufacturer's warranty covers such damage;
3. mechanical failure covered under product recall; or
4. fraud or abuse or illegal activity of any kind by the Card Member.
Purchases Not Covered
The following purchases are not covered:
1. products covered by an unconditional satisfaction guarantee;
2. animals or living plants;
3. consumable or perishable items with extended or limited life spans (including, but not limited to; food,
perfume, light bulbs, batteries);
4. motorized vehicles (including, but not limited to, passenger cars, trucks, motorcycles, boats, airplanes)
and their parts, subject to high risk, combustion, wear and tear or mileage stipulations (including, but not
limited to, batteries, carburetors, pipes, hoses, pistons, brakes, tires, mufflers);
5. motorized devices and their parts used for agriculture, landscaping, demolition or construction;
6. motorized devices and their parts which are permanent additions or fixtures to a residential or
commercial building unless the item can be removed without causing damage to the structure;
7. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters
and/or any item
that cannot be removed without causing damage to the structure;
8. land or buildings;
9. more than one article in a pair or set. Coverage will be limited to no more than the value of any particular
part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless
of any special value they may have had as part of a set or collection;
10. additional service contract or extended warranty coverage for a computer, computer component or part
that You buy which already comes with an original United States of America, Puerto Rico or the U.S.
Virgin Islands manufacturer’s and/or retailer’s warranty, unless such coverage is provided and
administered by the original manufacturer; and
11. items purchased for use as inventory, resale, professional, or commercial use (including but not limited
to professional education, training or skills, or to be used in professional competition).
IV. CLAIMS PROCESS
If You experience a Loss for which You believe a benefit is payable under this Plan, You must provide both
Notice of Claim and Proof of Loss.
To insure prompt processing of Your claim, report any Loss immediately following the date of the Loss,
including for gifts purchased on your Account. Retain Your receipts and Your damaged property (if
applicable) until the claim process is complete.
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We will decide whether to do one of the following: 1) have the product repaired; 2) have the product replaced;
or 3) reimburse You up to the amount of the item purchased on Your Account.
Notice of Claim
During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of the
Loss. You may contact the Company by calling toll-free stateside 1-800-228-6855 or, if from overseas, by
calling collect 1-303-273-6498. You may also write to Us at Extended Warranty, PO Box 981553, El Paso
TX 79998-9920.
Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit
payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as
reasonably possible. At the time You provide Us with Notice of Claim, We will assist with completion of the
Proof of Loss by providing You with instructions and/or documents, which You may have to complete and
return to Us. You are required to cooperate with Us and provide documentation as requested by Us which
is required and necessary to process Your claim and determine if benefits are payable.
Our Plan matches the terms of and extends Your original manufacturer’s warranty. Therefore, Notice of
Claim requirements within your original manufacturer’s warranty may vary with respect to date of report
versus date of loss. Please review Your original manufacturer’s warranty for further details. No claim will be
denied based upon Your failure to provide notice within such specified time, unless this failure operates to
prejudice Our rights.
Proof of Loss
If required, a claim form will be sent to You after We receive notice of loss. Written proof of loss, which
includes the signed claim form and all other requested documentation, must be received within sixty (60)
days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim,
or Your claim may be denied. The proof of loss must be sent to: Extended Warranty Claims Unit, PO Box
981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not received within
sixty (60) days of Our request (except for documentation which has not been furnished for reasons beyond
Your control), coverage may be denied. It is the Your responsibility to provide all required documentation.
Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:
1. an Extended Warranty claim form;
2. the original itemized store receipt with applicable sales tax included;
3. a copy of the original manufacturer’s warranty and any additional retailer’s warranty and/or service
contract, if applicable; and
4. a repair estimate for the product by an authorized retailer that has been approved by the manufacturer
You may be required to send in the product to Us at Our expense for further evaluation of Your claim. If
requested, You must send in the product within sixty (60) days from the date of Our request to remain eligible
f o r coverag e.
Payment of Claims
A claim for benefits provided by this Plan will be paid within thirty (30) days upon Our receipt and review of
Your complete Proof of Loss documentation and Our determination that a claim is payable according to the
terms of the Plan.
Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge
Us to the extent of such payment.
For items purchased under installment billing plans, We will pay the amount that has been billed up to the
date of Loss. Once the remaining balance has been paid or fulfilled by You, We will pay the remaining
balance to You.
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V. GENERAL PROVISIONS
Change of Permanent Residence
You must notify Us as soon as reasonably possible if You change Your Permanent Address. If the change
is to a different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We
will send any and all notices or Plan related materials to Your last known address on file. If You fail to notify
Us of a change in Your Permanent Residence, You may not receive all notices and Plan related materials.
Clerical Error
A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue
insurance not validly in force.
Conformity with State and Federal Law
If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby
amended to comply with such law.
Entire Contract; Representation; Changes
This Description of Coverage, the Policy, the declarations page, and any applications, endorsements or
riders make up the entire contract. Any statement You make is a representation and not a warranty. This
Description of Coverage may be changed at any time by written agreement between the Master Policyholder
and the Company. Changes shall take effect as of the date a replacement Description of Coverage, if any,
is issued or the date otherwise agreed upon by the Master Policyholder and the Company. A copy of the
Policy will be maintained and kept by the Master Policyholder and may be examined at any reasonable time
upon reasonable notice.
Fraud
If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means
or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited.
No coverage is provided if You, whether before or after a Loss, have:
1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is
material and is made with the intent to deceive; or
2. concealed or misrepresented any fact if the fact misrepresented contributes to the Loss.
We may be required to report suspicion of fraudulent activity and/or confirmed fraudulent activity to Your
residency state’s Department of Insurance.
Legal Actions
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss
documentation has been received by Us. No such action may be brought after three (3) years from the time
written Proof of Loss documentation is required to be given.
If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended
to meet the minimum time allowed by such law.
Right of Recovery
If We make a payment to You under this Plan and You recover an amount from another, equal to or less
than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent
of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We
have the right to recover from You any amount exceeding the maximum amount payable.
Subrogation
In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all
Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure
and preserve such rights, including the execution of such documents necessary to enable Us to effectively
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bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such
subrogation rights.
We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated
for damages by another party.
VI. TERMINATION OR CANCELLATION
Coverage will terminate automatically on the earliest of the following:
1. the date You no longer maintain a Permanent Residence in the 50 United States of America, the District
of Columbia, Puerto Rico or the U.S. Virgin Islands;
2. the date We notify You of our determination that Your enrollment or claims information contains a
misrepresentation or fraudulent statement or fails to disclose material information;
3. the date You terminate Your Account and are no longer a Card Member;
4. the date Your Account is cancelled by American Express; or
5. the date the Plan is not available in the location where You maintain a Permanent Residence.
The Company has the right to cancel this Description of Coverage at any time by sending a written notice at
least sixty (60) days in advance to You at Your last known address. The notice will include the reason for
cancellation. You will be eligible to receive benefits if the item purchased is made on Your Account prior to
the effective date of the Company’s cancellation.
Termination or cancellation of coverage will not prejudice any Notice of Claim submitted prior to termination
or cancellation, subject to all other terms of the Plan.
VII. IMPORTANT ADDITIONAL INFORMATION FOR YOU
The benefits described herein are subject to all of the terms, conditions, and exclusions of the Policy. This
Description of Coverage replaces any prior Description of Coverage which may have been furnished in
connection with the Policy. For any questions regarding the benefits described in this Description of
Coverage, please call 1-800-228-6855 or International Collect 1-303-273-6498, the number listed on the
back of Your card, or the number shown on Your card statement.
This Description of Coverage is an important document. Please read it and keep it in a safe place.
IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers:
Gregory M. Pond Mark W. Musser
President Secretary
AMEX Assurance Company AMEX Assurance Company
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EXTENDED WARRANTY
DESCRIPTION OF COVERAGE
Underwritten by AMEX Assurance Company
Administrative Office, 18850 N 56th St, AZ08-02-02, Phoenix, AZ 85054
For purchases charged to Your Account, Extended Warranty will extend the terms of the original manufacturer's
warranty on warranties of five (5) years or less that are eligible in the United States of America, Puerto Rico or the
U.S. Virgin Islands, subject to exclusions and limitations described in this Description of Coverage. We will match
the length of the original warranty if the original manufacturer’s warranty is less than two (2) years, or we will provide
two (2) additional years if the original manufacturer’s warranty is between two (2) years and f ive (5) years. If the
original manufacturer’s warranty exceeds five (5) years, the product purchased is not eligible under this Plan and
no coverage applies.
INDEX
Definitions Section I
Description of Benefits Section II
Exclusions Section III
Claims Process Section IV
General Provisions Section V
Termination or Cancellation Section VI
Important Additional Information For You Section VII
I. DEFINITIONS
Certain words used in this Description of Coverage are capitalized throughout and have special meanings.
Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context
requires.
Account means Your American Express® Card Account on which the record of the charge for the item purchased
is made.
Card Member means a person who has been issued a United States of America based proprietary American
Express Card and who has a Permanent Residence in the 50 United States of America, the District of Columbia,
Puerto Rico or the U.S. Virgin Islands.
Company means AMEX Assurance Company.
Extended Warranty Period means a period of time equal to the length of the original manufacturer’s warranty
when the original warranty is less than two (2) years, or two (2) additional years if the original manufacturer’s
warranty is between two (2) years and five (5) years.
Loss means the product malfunction which necessitates the repair, replacement or reimbursement of any one
product, as covered by the terms of that product's original warranty, which is valid in the United States of America,
Puerto Rico or the U.S. Virgin Islands when the purchase of the product, whether for Your use or as a gift, has been
charged to Your Account.
Master Policyholder means American Express Travel Related Services Company, Inc.
Membership Rewards® Points means credits obtained through the Membership Rewards program available with
most American Express Cards, which are earned when making certain purchases with such cards. In some cases,
participating Card Members receive a redemption certificate in order to use their Membership Rewards points.
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Pay with Points is a process that may be available to an individual who accrues American Express Membership
Rewards Points and then uses the Membership Rewards Points to pay for an item by converting them to statement
credits to off-set some or all of the expense of that item reflected on the individual’s Account statement.
Permanent Residence means the one primary dwelling place where the Card Member resides and to which he/she
intend to return and, if necessary, can be evidenced by a current and active official form of Identification, examples
include, but are not limited to: State issued Identification Card, Driver License, and Voter Identification Card
Plan means the Policy and the benefits described therein.
Policy means the Group Insurance Master Policy (AX0953) issued by the Company to American Express Travel
Related Services Company, Inc.
We, Us and Our means the Company.
You and Your means the Card Member.
II. DESCRIPTION OF BENEFITS
What is Covered
We will pay Your Loss up to the actual amount charged to Your Account (including applicable sales tax) for
the item for which a Loss is claimed, but not to exceed the original cost of the item or $10,000, whichever is
less. If you incur multiple Losses for the same item, the aggregate payments too shall not exceed the lesser
of the original cost of the item or $10,000, whichever is less.
Only valid and reasonable repairs up to the purchase amount of the item made at a manufacturer and/or
retailer’s authorized repair facility are covered.
If You experience more than one Loss in a calendar year, We will pay an amount not to exceed $50,000 for
all Losses per Card Member Account in each calendar year. Our benefit payment will not include any product
rebates, discounts or money received from the lowest price comparison programs that reduced the original
cost of the item.
For Accounts enrolled in the Membership Rewards Points and/or Pay with Points program(s), an item is
eligible for coverage under this Plan if it was purchased through the redemption of Membership Rewards
Points and/or Pay with Points. Our benefit payment will not exceed the amount of the Membership Reward
Points and/or Pay with Points You redeemed to purchase the item. Benefits will not be paid when redemption
of Membership Rewards Points and/or Pay with Points have been transferred to a non-eligible card account
or non-Card Members.
Our benefit payment will not include payment of expenses or fees related to shipping and handling,
installation, assembly, professional advice, maintenance or other service charges related to the repair,
replacement or reimbursement of Your product.
Length of Coverage
Where a Loss has occurred during the Extended Warranty Period, We will provide a benefit equal to the
coverage of the original manufacturer's warranty on warranties of up to five (5) years.
If the item is also covered by a purchased service contract, the Extended Warranty Period begins at the end
of the purchased service contract and extends the original manufacturer’s warranty for a period of time equal
to the warranty, up to two (2) additional years.
If the combined coverage of the original manufacturer’s warranty and the purchased service contract exceed
five (5) years, the item purchased is not eligible for benefits under this Plan.
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If the Card Member is notified that a warranty has ended for any reason (including, but not limited to,
bankruptcy of the manufacturer or other responsible party), this Plan will continue to provide coverage, not
to exceed the original manufacturer’s warranty up to two (2) years from the date the Card Member is notified
of such event. The Card Member may be asked to provide proof of notification in the form of a public
announcement or other official documentation.
Only a Card Member has a legal and equitable right to any insurance benefit that may be available under
this Plan.
III. EXCLUSIONS
General Exclusions
Benef its are not payable if the Loss for which coverage is sought was directly or indirectly, wholly or partially,
contributed to or caused by:
1. war or acts of war (whether declared or undeclared), participation in a felony, riot, civil d isturbance,
protest or insurrections, service in the armed forces or units auxiliary to it;
2. any physical damage, including, but not limited to, damage as a direct result of natural disaster or a
power surge, except to the extent the original manufacturer's warranty covers such damage;
3. mechanical failure covered under product recall; or
4. fraud or abuse or illegal activity of any kind by the Card Member.
Purchases Not Covered
The following purchases are not covered:
1. products covered by an unconditional satisfaction guarantee;
2. animals or living plants;
3. consumable or perishable items with extended or limited life spans (including, but not limited to; food,
perfume, light bulbs, batteries);
4. motorized vehicles (including, but not limited to, passenger cars, trucks, motorcycles, boats, airplanes)
and their parts, subject to high risk, combustion, wear and tear or mileage stipulations (including, but not
limited to, batteries, carburetors, pipes, hoses, pistons, brakes, tires, mufflers);
5. motorized devices and their parts used for agriculture, landscaping, demolition or construction;
6. motorized devices and their parts which are permanent additions or fixtures to a residential or
commercial building unless the item can be removed without causing damage to the structure;
7. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters
and/or any item
that cannot be removed without causing damage to the structure;
8. land or buildings;
9. more than one article in a pair or set. Coverage will be limited to no more than the value of any particular
part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless
of any special value they may have had as part of a set or collection;
10. additional service contract or extended warranty coverage for a computer, computer component or part
that You buy which already comes with an original United States of America, Puerto Rico or the U.S.
Virgin Islands manufacturer’s and/or retailer’s warranty, unless such coverage is provided and
administered by the original manufacturer; and
11. items purchased for use as inventory, resale, professional, or commercial use (including but not limited
to professional education, training or skills, or to be used in professional competition).
IV. CLAIMS PROCESS
If You experience a Loss for which You believe a benefit is payable under this Plan, You must provide both
Notice of Claim and Proof of Loss.
To insure prompt processing of Your claim, report any Loss immediately following the date of the Loss,
including for gifts purchased on your Account. Retain Your receipts and Your damaged property (if
applicable) until the claim process is complete.
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We will decide whether to do one of the following: 1) have the product repaired; 2) have the product replaced;
or 3) reimburse You up to the amount of the item purchased on Your Account.
Notice of Claim
During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of the
Loss. You may contact the Company by calling toll-free stateside 1-800-228-6855 or, if from overseas, by
calling collect 1-303-273-6498. You may also write to Us at Extended Warranty, PO Box 981553, El Paso
TX 79998-9920.
Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit
payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as
reasonably possible. At the time You provide Us with Notice of Claim, We will assist with completion of the
Proof of Loss by providing You with instructions and/or documents, which You may have to complete and
return to Us. You are required to cooperate with Us and provide documentation as requested by Us which
is required and necessary to process Your claim and determine if benefits are payable.
Our Plan matches the terms of and extends Your original manufacturer’s warranty. Therefore, Notice of
Claim requirements within your original manufacturer’s warranty may vary with respect to date of report
versus date of loss. Please review Your original manufacturer’s warranty for further details. No claim will be
denied based upon Your failure to provide notice within such specified time, unless this failure operates to
prejudice Our rights.
Proof of Loss
If required, a claim form will be sent to You after We receive notice of loss. Written proof of loss, which
includes the signed claim form and all other requested documentation, must be received within sixty (60)
days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim,
or Your claim may be denied. The proof of loss must be sent to: Extended Warranty Claims Unit, PO Box
981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not received within
sixty (60) days of Our request (except for documentation which has not been furnished for reasons beyond
Your control), coverage may be denied. It is the Your responsibility to provide all required documentation.
Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:
1. an Extended Warranty claim form;
2. the original itemized store receipt with applicable sales tax included;
3. a copy of the original manufacturer’s warranty and any additional retailer’s warranty and/or service
contract, if applicable; and
4. a repair estimate for the product by an authorized retailer that has been approved by the manufacturer
You may be required to send in the product to Us at Our expense for further evaluation of Your claim. If
requested, You must send in the product within sixty (60) days from the date of Our request to remain eligible
f o r coverag e.
Payment of Claims
A claim for benefits provided by this Plan will be paid within thirty (30) days upon Our receipt and review of
Your complete Proof of Loss documentation and Our determination that a claim is payable according to the
terms of the Plan.
Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge
Us to the extent of such payment.
For items purchased under installment billing plans, We will pay the amount that has been billed up to the
date of Loss. Once the remaining balance has been paid or fulfilled by You, We will pay the remaining
balance to You.
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V. GENERAL PROVISIONS
Change of Permanent Residence
You must notify Us as soon as reasonably possible if You change Your Permanent Address. If the change
is to a different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We
will send any and all notices or Plan related materials to Your last known address on file. If You fail to notify
Us of a change in Your Permanent Residence, You may not receive all notices and Plan related materials.
Clerical Error
A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue
insurance not validly in force.
Conformity with State and Federal Law
If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby
amended to comply with such law.
Entire Contract; Representation; Changes
This Description of Coverage, the Policy, the declarations page, and any applications, endorsements or
riders make up the entire contract. Any statement You make is a representation and not a warranty. This
Description of Coverage may be changed at any time by written agreement between the Master Policyholder
and the Company. Changes shall take effect as of the date a replacement Description of Coverage, if any,
is issued or the date otherwise agreed upon by the Master Policyholder and the Company. A copy of the
Policy will be maintained and kept by the Master Policyholder and may be examined at any reasonable time
upon reasonable notice.
Fraud
If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means
or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited.
No coverage is provided if You, whether before or after a Loss, have:
1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is
material and is made with the intent to deceive; or
2. concealed or misrepresented any fact if the fact misrepresented contributes to the Loss.
We may be required to report suspicion of fraudulent activity and/or confirmed fraudulent activity to Your
residency state’s Department of Insurance.
Legal Actions
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss
documentation has been received by Us. No such action may be brought after three (3) years from the time
written Proof of Loss documentation is required to be given.
If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended
to meet the minimum time allowed by such law.
Right of Recovery
If We make a payment to You under this Plan and You recover an amount from another, equal to or less
than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent
of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We
have the right to recover from You any amount exceeding the maximum amount payable.
Subrogation
In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all
Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure
and preserve such rights, including the execution of such documents necessary to enable Us to effectively
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bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such
subrogation rights.
We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated
for damages by another party.
VI. TERMINATION OR CANCELLATION
Coverage will terminate automatically on the earliest of the following:
1. the date You no longer maintain a Permanent Residence in the 50 United States of America, the District
of Columbia, Puerto Rico or the U.S. Virgin Islands;
2. the date We notify You of our determination that Your enrollment or claims information contains a
misrepresentation or fraudulent statement or fails to disclose material information;
3. the date You terminate Your Account and are no longer a Card Member;
4. the date Your Account is cancelled by American Express; or
5. the date the Plan is not available in the location where You maintain a Permanent Residence.
The Company has the right to cancel this Description of Coverage at any time by sending a written notice at
least sixty (60) days in advance to You at Your last known address. The notice will include the reason for
cancellation. You will be eligible to receive benefits if the item purchased is made on Your Account prior to
the effective date of the Company’s cancellation.
Termination or cancellation of coverage will not prejudice any Notice of Claim submitted prior to termination
or cancellation, subject to all other terms of the Plan.
VII. IMPORTANT ADDITIONAL INFORMATION FOR YOU
The benefits described herein are subject to all of the terms, conditions, and exclusions of the Policy. This
Description of Coverage replaces any prior Description of Coverage which may have been furnished in
connection with the Policy. For any questions regarding the benefits described in this Description of
Coverage, please call 1-800-228-6855 or International Collect 1-303-273-6498, the number listed on the
back of Your card, or the number shown on Your card statement.
This Description of Coverage is an important document. Please read it and keep it in a safe place.
IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers:
Gregory M. Pond Mark W. Musser
President Secretary
AMEX Assurance Company AMEX Assurance Company
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AMENDATORY ENDORSEMENTS
To be attached to and made a part of the Description of Coverage/Policy.
THIS ENDORSEMENT CHANGES YOUR DESCRIPTION OF COVERAGE/POLICY. PLEASE
READ IT
CAREFULLY.
Applicable to Residents of Alabama
1. The Legal Actions provision is replaced by the following:
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss
documentation has been received by Us. No such action may be brought after six (6) years from the time
written Proof of Loss is required to be given.
EWPP-END1-AL 09/17
Applicable to Residents of Alaska
1. The opening paragraph to the General Exclusions section is replaced by the following:
Benefits are not payable if the Loss\Covered Incident for which coverage is sought was directly or wholly
caused by:
2. The Legal Actions provision is replaced by the following:
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has
been received by Us. No such action may be brought after three (3) years from the time a claim has been
denied.
EWPP-END1-AK 09/17
Applicable to Residents of Arkansas
1. The Legal Actions provision is replaced by the following:
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has
been received by Us. No such action may be brought after five (5) years from the time written Proof of Loss
is required to be given.
2. The Right of Recovery provision is replaced by the following:
If We make a payment to You under this Plan and You recover an amount from another, equal to or less
than Our payment, You shall hold in trust for Us any proceeds of the recovery and reimburse Us to the
extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this
Plan, We have the right to recover from You any amount exceeding the maximum amount payable, only
after You have been fully compensated for the loss sustained.
EWPP-END1-AR 09/17
Applicable to Residents of Connecticut
1.
The Subrogation provision is replaced by the following:
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In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all
Your right of recovery. As permitted by law, You shall execute all papers required and shall do everything
necessary to secure and preserve such rights, including the execution of such documents necessary to
enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing
to prejudice such subrogation rights.
EWPP-END1-CT 09/17
Applicable to Residents of Kansas
1. Index Section VI is replaced by the following:
Cancellation Section VI
2. The following is added to the end of Description of Benefits section:
When Coverage is No Longer Activated
Coverage will become inactive:
1. The date You no longer maintain a Permanent Residence in the 50 United States of America, the
District of Columbia, Puerto Rico or the U.S. Virgin Islands;
2. The date We notify You of our determination that Your enrollment or claims information contains a
misrepresentation or fraudulent statement or fails to disclose material information;
3. The date You terminate Your Account and are no longer a Card Member;
4. The date Your Account is cancelled by American Express; or
5. The date the Plan is not available in the location where You maintain a Permanent Residence.
3. The Payment of Claims section is replaced by the following:
A claim for benefits provided by this Plan will be paid within thirty (30) days upon Our receipt and review of
Your complete Proof of Loss documentation and Our determination that a claim is payable according to the
terms of the Plan.
Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge
Us to the extent of such payment.
For items purchased under installment billing plans, We will pay the amount that has been billed up to the
date of Loss/Covered Incident. Once the remaining balance has been paid or fulfilled by You, We will pay
the remaining balance to You.
4. The Fraud section is replaced by the following:
If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means
or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be
forfeited.
A "fraudulent insurance act" is an act committed by any person who, knowingly and with intent to defraud,
presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an
insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile,
magnetic, oral, or telephonic communication or statement as part of, or in support of, a claim for payment
or other benefit pursuant to an insurance policy for commercial or personal insurance which such person
knows to contain materially false information concerning any fact material thereto; or conceals, for the
purpose of misleading, information concerning any fact material thereto
No coverage is provided if You, whether before or after a Loss/Covered Incident, have:
1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation
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is material and is made with the intent to deceive; or
2. concealed or misrepresented any fact if the fact misrepresented contributes to the Loss/Covered
Incident.
We may be required to report suspicion of fraudulent activity and/or confirmed fraudulent activity to Your
residency state’s Department of Insurance.
5. The Legal Actions section is replaced by the following:
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss
documentation has been received by Us. No such action may be brought after five (5) years from the time
written Proof of Loss documentation is required to be given.
If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended
to meet the minimum time allowed by such law.
6. The Cancellation section is replaced by the following:
Coverage may be canceled upon sixty (60) days’ written notice to You at Your last known address for one
of the following reasons:
1. nonpayment of premium;
2. the policy was issued because of a material misrepresentation;
3. any insured violated any of the material terms and conditions of the policy;
4. unfavorable underwriting factors, specific to the insured, exist that were not present at the inception
of the policy;
5. a determination by the commissioner that continuation of coverage could place the insurer in a
hazardous financial condition or in violation of the laws of this state; or
6. a determination by the commissioner that the insurer no longer has adequate reinsurance to meet
the insurer's needs.
You will be eligible to receive benefits if You fully activated coverage in accordance with this Description
of Coverage prior to the effective date of cancellation. You will be eligible to receive benefits if You fully
activated coverage in accordance with this Description of Coverage prior to the effective d ate of the
Company’s cancellation.
Cancellation of coverage will not prejudice any Notice of Claim submitted prior to cancellation subject to
all other terms of the Policy.
EW
PP-END1-KS 09/17
Applicable to Residents of Kentucky
1. The Termination or Cancellation provision is replaced by the following:
Coverage will terminate automatically on the earliest of the following:
1. the date You no longer maintain a Permanent Residence in the 50 United States of America, the D istrict
of Columbia, Puerto Rico or the U.S. Virgin Islands;
2. the date We notify You of our determination that Your enrollment or claims information contains a
misrepresentation or fraudulent statement or fails to disclose material information;
3. the date You terminate Your Account and are no longer a Card Member;
4. the date Your Account is cancelled by American Express; or
5. the date the Plan is not available in the location where You maintain a Permanent Residence.
The Company has the right to cancel this Description of Coverage at any time by sending a written notice
at least seventy-five (75) days in advance to You at Your last known address. The notice will include the
reason for cancellation. You will be eligible to receive benefits if the item purchased is made on Your
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Account prior to the effective date of the Company’s cancellation.
Termination or cancellation of coverage will not prejudice any Notice of Claim submitted prior to termination
or cancellation, subject to all other terms of the Plan.
EWPP-END1-KY 09/17
Applicable to Residents of Louisiana
1. The Right to Recovery provision is replaced by the following:
If the Company makes any payment under this Policy and the Card Member has the right to recover
damages from another, the Company shall be subrogated to that right. However, the Company’s right to
recover is subordinate to the Card Member’s right to be fully compensated.
2. The Subrogation provision is replaced by the following:
In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to Your
rights of recovery. You shall execute all papers required and shall do everything necessary to secure and
preserve such rights, including the execution of such documents necessary to enable Us to effectively bring
suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such
subrogation rights.
We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated
for damages by another party.
EWPP-END1-LA 09/17
Applicable to Residents of Maryland
1. The Legal Action provision is replaced by the following:
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss
documentation has been received by Us. No such action may be brought after three (3) years from the date
that the action accrues. If a time limit of this Plan is less than allowed by the laws of the state where You
live, the limit is extended to meet the minimum time allowed by such law.
2. The second paragraph of the Termination or Cancellation provision is replaced by the following:
The Company has the right to cancel this Description of Coverage at any time by sending a written notice
at least sixty (60) days in advance to You at Your last known address, by using first class mail tracking
method. The notice will include the reason for cancellation. You will be eligible to receive benefits if the item
purchased is made on Your Account prior to the effective date of the Company’s cancellation.
EWPP-END1-MD 09/17
Applicable to Residents of Minnesota
1. The following is hereby added to the Notice of Claim provision:
Providing notice to an agent appointed by Us amounts to notice to Us.
2. The Payment of Claims provision is replaced by the following:
A claim for benefits provided by this Plan will be paid within five (5) business days after Our receipt of
satisfactory Proof of Loss documentation and determination that a claim is payable according to the terms
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of the Plan. Any payment made by Us in good faith pursuant to this or any other provision of this Plan will
fully discharge Us to the extent of such payment.
3. The following is hereby added to the Fraud provision:
No oral or written misrepresentation made by You, or on Your behalf, in the negotiation of insurance, shall
be deemed material, or defeat or avoid the policy, or prevent its attaching, unless made with intent to
deceive and defraud, or unless the matter misrepresented increases the risk of loss.
4. The following is hereby added to the Subrogation provision:
We shall not subrogate against any persons or organizations also insured under Our Plan or under any
other Policy issued by Us, with respect to the same loss.
EWPP-END1-MN 09/17
Applicable to Residents of Missouri
1. The Notice of Claims section is replaced by the following:
During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of
the Loss. You may contact the Company by calling toll-free stateside 1-800-228-6855 or, if from overseas,
by calling collect 1-303-273-6498. You may also write to Us at Extended Warranty, PO Box 981553, El
Paso TX 79998-9920.
Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit
payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as
reasonably possible. No claim will be denied based upon the insured’s failure to provide notice within such
specified time, unless this failure operates to prejudice the rights of the insurer, as per Missouri regulation
20CSR100-1.020. At the time You provide Us with Notice of Claim, We will assist with completion of the
Proof of Loss by providing You with instructions and/or documents, which You may have to complete and
return to Us. You are required to cooperate with Us and provide documentation as requested by Us which
is required and necessary to process Your claim and determine if benefits are payable.
Our Plan matches the terms of and extends Your original manufacturer’s warranty. Therefore, Notice of
Claim requirements within your original manufacturer’s warranty may vary with respect to date of report
versus date of loss. Please review Your original manufacturer’s warranty for further details. No claim will
be denied based upon Your failure to provide notice within such specified time, unless this failure operates
to prejudice Our rights.
2. The first paragraph of the Proof of Loss section is replaced by the following:
If required, a claim form will be sent to You after We receive notice of loss. Written proof of loss, which
includes the signed claim form and all other requested documentation, must be received within sixty (60)
days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim,
or Your claim may be denied. The proof of loss must be sent to: Extended Warranty Claims Unit, PO Box
981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not received
(except for documentation which has not been furnished for reasons beyond Your control), coverage may
be denied. It is the Your responsibility to provide all required documentation.
3. The Legal Action provision is replaced by the following:
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss
documentation has been received by Us. No such action may be brought after ten (10) years from the time
written Proof of Loss documentation is required to be given.
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If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended
to meet the minimum time allowed by such law.
EW-END1-MO 09/17
Applicable to Residents of Montana
1. The following statement is added to the face page of the Description of Coverage:
If there is a discrepancy between Policy and the Description of Coverage, the Description of
Coverage governs.
2. The Conformity with State and Federal Law section is replaced by the following:
Conformity with Montana Statutes
If a Plan provision does not conform to applicable provisions of Montana statutes, the Plan is hereby
amended to comply with such statutes.
3. The Termination or Cancellation section is replaced by the following:
Coverage will terminate automatically on the earliest of the following:
1. the date You no longer maintain a Permanent Residence in the 50 United States of America, the District
of Columbia, Puerto Rico or the U.S. Virgin Islands;
2. the date We notify You of our determination that Your enrollment or claims information contains
a misrepresentation or fraudulent statement or fails to disclose material information;
3. the date You terminate Your Account and are no longer a Card Member;
4. the date Your Account is cancelled by American Express; or
5. the date the Plan is not available in the location where You maintain a Permanent Residence.
The Company has the right to cancel this Description of Coverage at any time by sending a written notice
at least sixty (60) days in advance to You at Your last known address. Coverage may be cancelled for one
of the following reasons:
1. nonpayment of premium;
2. material misrepresentation;
3. substantial change in the risk assumed, except to the extent that the insurer should reasonably have
foreseen the change or contemplated the risk when the contract was written;
4. substantial breaches of contractual duties, conditions, or warranties;
5. determination by the commissioner that continuation of the policy would place the insurer in violation
of this code;
6. financial impairment of the insurer; or
7. any other reason approved by the commissioner.
You will be eligible to receive benefits if the item purchased is made on Your Account prior to the effective
date of the Company’s cancellation.
Termination or cancellation of coverage will not prejudice any Notice of Claim submitted prior to termination
or cancellation, subject to all other terms of the Plan.
EWPP-END1-MT 09/17
Applicable to Residents of Nevada
1. Index Section VI is replaced by the following:
Cancellation Section VI
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2. The following is added to the end of Description of Benefits section:
When Coverage is No Longer Activated
Coverage will become inactive:
1. The date You no longer maintain a Permanent Residence in the 50 United States of America, the
District of Columbia, Puerto Rico or the U.S. Virgin Islands;
2. The date You terminate Your Account and are no longer a Card Member;
3. The date Your Account is cancelled by American Express; or
4. The date the Plan is not available in the location where You maintain a Permanent Residence.
Termination of coverage will not prejudice any Notice of Claim submitted prior to termination, subject to all
other terms of the Plan.
3. The Cancellation section is replaced by the following:
The Company has the right to cancel this Description of Coverage at any time by sending written notice at
least sixty (60) days in advance to You at Your last known address for one of the following reasons:
1. Conviction of the insured of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation in the obtaining of the policy or in the presentation of
a claim thereunder;
3. Discovery of an act or omission; or a violation of any condition of the policy, which occurred after the
first effective date of the current policy and substantially and materially increases the hazard insured
against;
4. A material change in the nature or extent of the risk, occurring after the first effective date of the current
policy, which causes the risk of loss to be substantially and materially increased beyond that
contemplated at the time the policy was issued or last renewed;
5. A determination by the Commissioner that continuation of the insurer's present volume of premiums
would jeopardize the insurer's solvency or be hazardous to the interests of policyholders of the insurer,
its creditors or the public;
6. A determination by the Commissioner that the continuation of the policy would violate, or place the
insurer in violation of, any provision of the Code.
The notice will include the reason for cancellation. You will be eligible to receive benefits if the item
purchased is made on Your Account and you have fully activated coverage in accordance with this
Description of Coverage prior to the effective date of the Company’s cancellation.
Cancellation of coverage will not prejudice any Notice of Claim submitted prior to cancellation, subject to
all other terms of the Plan.
EWPP-END1-NV 09/17
Applicable to Residents of Oklahoma
1. The following is added to the first page:
Fraud: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer,
makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading
information is guilty of a felony.
2. The opening paragraph to Important Add
itional Information For You section is replaced by the following:
The benefits described herein are subject to all of the terms, conditions, and exclusions of the Description
of Coverage issued to Card Members whose Permanent Residence is Oklahoma. This Description of
Coverage replaces any prior Description of Coverage which may have been furnished in connection with the
Policy. For any questions regarding the benefits described in this Description of Coverage, please call 1-
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800-228-6855 or International Collect 1-303-273-6498, the number listed on the back of Your card, or the
number shown on Your card statement.
EWPP-END1-OK 09/17
Applicable to Residents of South Dakota
1. The Legal Actions provision is replaced by the following:
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss
documentation has been received by Us. No such action may be brought after six (6) years from the time
written Proof of Loss documentation is required to be given.
If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended
to meet the minimum time allowed by such law.
EW/PP-END1-SD 09/17
Applicable to Residents of United States Virgin Islands
1. The Policy definition is replaced by the following:
Policy means the Group Insurance Master Policy (AX0951-VI or AX0953-VI) issued by the Company to
American Express Travel Related Services Company, Inc.
2. The Payment of Claims section is replaced by the following:
Payment of Claims
A claim for benefits provided by this Plan will be paid within thirty (30) days upon Our receipt and review of
Your complete Proof of Loss documentation and Our determination that a claim is payable according to the
terms of the Plan.
Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge
Us to the extent of such payment.
For items purchased under installment billing plans, We will pay the amount that has been billed up to the
date of Loss/Covered Incident. Once the remaining balance has been paid or fulfilled by You, We will pay
the remaining balance to You.
3. The paragraph on Company Cancellation is hereby replaced by the following:
The Company can cancel this Description of Coverage or any endorsement or rider at any time for any
reason including but not necessarily limited to:
a. non-Payment of premium by the Master Policyholder;
b. high loss experience; or
c. a Company decision to stop underwriting this kind of insurance.
The Card Member has the right to know and/or request the grounds on which this Description of Coverage
is cancelled. To that effect, the Company must provide thirty (30) days written notice, actually delivered or
mailed by certified mail, prior to the date cancellation is effective, indicating in such notice the reason for
cancellation. You will be eligible to receive benefits if You fully activated coverage in accordance with this
Description of Coverage prior to the effective date of the Company’s cancellation. If the Company cancels,
the Master Policyholder must assist the Company in notifying Card Members of the date their insurance is
cancelled.
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EWPP-END1-VI 09/17
Applicable to Residents of Utah
1. The opening paragraph to the General Exclusions section is replaced by the following:
Benefits are not payable if the Loss for which coverage is sought was directly or wholly caused by:
2. The following is hereby added to the Proof of Loss provision:
Failure to provide Proof of Loss within sixty (60) days will not invalidate a claim or reduce any benefit
payment that may be found to be eligible, if it can be shown that proof of loss was provided as soon as
reasonably possible. No claim will be denied based upon Your failure to provide proof of loss within such
specified time, unless this failure operates to prejudice Our rights.
EWPP-END1-UT 09/17
Applicable to Residents of Vermont
1. The first paragraph of the Notice of Claim provision is replaced by the following:
During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of
the Loss/Covered Incident or as soon as practicable. You may contact the Company by calling toll-free
stateside 1-800-228-6855 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Us
at Extended Warranty Claims Unit, PO Box 981553, El Paso TX 79998-9920.
2. The Payment of Claim section is replaced by the following:
A claim for benefits provided by this Plan will be paid within ten (10) days upon Our receipt and review of
Your complete Proof of Loss documentation and Our determination that a claim is payable according to the
terms of the Plan.
Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge
Us to the extent of such payment.
For items purchased under installment billing plans, We will pay the amount that has been billed up to the
date of Loss /Covered Incident. Once the remaining balance has been paid or fulfilled by You, We will pay
the remaining balance to You.
EWPP-END1-VT 09/17
Applicable to Residents of West Virginia
1. The first paragraph of Payment of Claims has been replaced with:
A claim for benefits provided by this Plan will be paid within fifteen (15) days upon Our receipt and review
of Your complete Proof of Loss documentation and Our determination that a claim is payable according to
the terms of the Plan.
EWPP-END1-WV 09/17
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Applicable to Residents of Wyoming
1. The Payment of Claims section is replaced by the following:
A claim for benefits provided by this Plan will be paid within forty-five (45) days upon Our receipt and
review of Your complete Proof of Loss documentation and Our determination that a claim is payable
according to the terms of the Plan.
Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully
discharge Us to the extent of such payment.
For items purchased under installment billing plans, We will pay the amount that has been billed up to the
date of Loss\Covered Incident. Once the remaining balance has been paid or fulfilled by You, We will pay
the remaining balance to You.
2. The Legal Actions provision is replaced by the following:
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has
been received by Us. No such action may be brought after four (4) years from the time written Proof of Loss
is required to be given.
EWPP-END1-WY 09/17
ALL OTHER TERMS AND CONDITIONS OF THE DESCRIPTION OF COVERAGE/POLICY
REMAIN
UNCHANGED.
Gregory M. Pond Mark W. Musser
President Secretary
AMEX Assurance Company AMEX Assurance Company
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Other State Notices
Questions regarding your policy or coverage should be directed to:
AMEX Assurance Company
Complaints Department
PO Box 53701
AZ08-02-02
Phoenix, AZ 85072-9872
You may call the toll-free number at 1-800-228-6855.
If you have a complaint you have been unable to resolve with your insurer you may contact the Department
of Insurance:
FOR ARKANSAS RESIDENTS
Arkansas Insurance Department
Consumer Services Division
1200 West Third Street
Little Rock, AR 72201-1904
1-501-371-2640 or 1-800-852-5494
FOR CALIFORNIA RESIDENTS
California Department of Insurance
Consumer Services Division
300 South Spring Street, South Tower
Los Angeles, CA 90013
www.insurance.ca.gov
Consumer Hotline: 1-800-927-4357
FOR IDAHO RESIDENTS
Idaho Department of Insurance
Consumer Affairs
700 W State Street, 3rd Floor
PO Box 83720
Boise ID 83720-0043
1-800-721-3272 or 1-208-334-4250 or www.DOI.Idaho.gov
FOR ILLINOIS RESIDENTS
Illinois Department of Insurance
320 West Washington Street
Springfield, IL 62767-0001
FOR VIRGINIA RESIDENTS
IMPORTANT INFORMATION REGARDING YOUR INSURANCE
In the event you need to contact someone about this insurance for any reason, please contact your agent. If no
agent was involved in the sale of this insurance, or if you have additional questions, you may contact the insurance
company issuing this insurance at the following address and telephone number:
AMEX Assurance Company
Complaints Department
PO Box 53701
AZ08-02-02
Phoenix, AZ 85072-9872
You may call the toll-free number at 1-800-228-6855.
If you have been unable to contact or obtain satisfaction from the company or the agent, you may contact the
Virginia State Corporation Commission's Bureau of Insurance at:
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State Corporation Commission
Bureau of Insurance
PO Box 1157
Richmond, VA 23218
1-877-310-6560 or TDD 1-804-371-9206
Written correspondence is preferable so that a record of your inquiry is maintained. When contacting your agent,
company or the Bureau of Insurance, have your policy number available.
FOR WISCONSIN RESIDENTS
KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS
PROBLEMS WITH YOUR INSURANCE? – If you are having problems with your insurance company or agent, do
not hesitate to contact the insurance company or agent to resolve your problem.
AMEX Assurance Company
Complaints Department
PO Box 53701
AZ08-02-02
Phoenix, AZ 85072-9872
You may call the toll-free number at 1-800-228-6855.
You can also contact the OFFICE OF THE COMMISSIONER OF INSURANCE, a state agency which enforces
Wisconsin’s insurance laws, and file a complaint. You can contact the OFFICE OF THE COMMISSIONER OF
INSURANCE by contacting:
Office of the Commissioner of Insurance
Complaints Department
PO Box 7873
Madison, WI 53707-7873
1-800-236-8517
1-608-266-0103
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EXTENDED WARRANTY
INSURANCE POLICY
Underwritten by AMEX Assurance Company
Administrative Office, 18850 N 56th St, AZ08-02-02, Phoenix, AZ 85054
For purchases charged to Your Account, Extended Warranty will extend the terms of the original manufacturer's
warranty on warranties of five (5) years or less that are eligible in the United States of America, Puerto Rico or the
U.S. Virgin Islands, subject to exclusions and limitations described in this Insurance Policy. We will match the length
of the original warranty if the original manufacturer’s warranty is less than two (2) years, or we will provide two (2)
additional years if the original manufacturer’s warranty is between two (2) years and five (5) years. If the o rig inal
manufacturer’s warranty exceeds five (5) years, the product purchased is not eligible under this Plan and no
coverage applies.
INDEX
Definitions Section I
Description of Benefits Section II
Exclusions Section III
Claims Process Section IV
General Provisions Section V
Termination or Cancellation Section VI
Important Additional Information For You Section VII
I. DEFINITIONS
Certain words used in this Insurance Policy are capitalized throughout and have special meanings. Wherever used
herein, the singular shall include the plural, the plural shall include the singular, as the context requires.
Account means Your American Express® Card Account on which the record of the charge for the item purchased
is made.
American Express Card means any card bearing an American Express trademark or logo authorized by American
Express Travel Related Services Company Inc., or its subsidiaries or affiliates, which can be used to purchase
goods or services at merchants on the American Express Network and which American Express Travel Related
Services Company, Inc. designates as eligible for coverage under the Policy.
Card Member means a person who has been issued a United States of America based proprietary American
Express Card and who has a Permanent Residence in the 50 United States of America, the District of Columbia,
Puerto Rico or the U.S. Virgin Islands.
Company means AMEX Assurance Company.
Extended Warranty Period means a period of time equal to the length of the original manufacturer’s warranty
when the original warranty is less than two (2) years, or two (2) additional years if the original manufacturer’s
warranty is between two (2) years and five (5) years.
Insurance Policy or Policy means the contract issued to the Policyholder provided the benefits described
herein.
Loss means the product malfunction which necessitates the repair, replacement or reimbursement of any one
product, as covered by the terms of that product's original warranty, which is valid in the United States of America,
Puerto Rico or the U.S. Virgin Islands when the purchase of the product, whether for Your use or as a gift, has been
charged to Your Account.
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Membership Rewards® Points means credits obtained through the Membership Rewards program available with
most American Express Cards, which are earned when making certain purchases with such cards. In some cases,
participating Card Members receive a redemption certificate in order to use their Membership Rewards points.
Pay with Points is a process that may be available to an individual who accrues American Express Membership
Rewards Points and then uses the Membership Rewards Points to pay for an item by converting them to statement
credits to off-set some or all of the expense of that item reflected on the individual’s Account statement.
Permanent Residence means the one primary dwelling place where the Card Member resides and to which he/she
intend to return and, if necessary, can be evidenced by a current and active official form of Identification, examples
include, but are not limited to: State issued Identification Card, Driver License, and Voter Identification Card
Plan means the Policy and the benefits described therein.
Policyholder means Card Member.
We, Us and Our means the Company.
You and Your means the Card Member.
II. DESCRIPTION OF BENEFITS
What is Covered
We will pay Your Loss up to the actual amount charged to Your Account (including applicable sales tax) for
the item for which a Loss is claimed, but not to exceed the original cost of the item or $10,000, whichever is
less. If you incur multiple Losses for the same item, the aggregate payments too shall not exceed the lesser
of the original cost of the item or $10,000, whichever is less.
Only valid and reasonable repairs up to the purchase amount of the item made at a manufacturer and/or
retailer’s authorized repair facility are covered.
If You experience more than one Loss in a calendar year, We will pay an amount not to exceed $50,000 for
all Losses per Card Member Account in each calendar year. Our benefit payment will not include any product
rebates, discounts or money received from the lowest price comparison programs that reduced the original
cost of the item.
For Accounts enrolled in the Membership Rewards Points and/or Pay with Points program(s), an item is
eligible for coverage under this Plan if it was purchased through the redemption of Membership Rewards
Points and/or Pay with Points. Our benefit payment will not exceed the amount of the Membership Reward
Points and/or Pay with Points You redeemed to purchase the item. Benefits will not be paid when redemption
of Membership Rewards Points and/or Pay with Points have been transferred to a non-eligible card account
or non-Card Members.
Our benefit payment will not include payment of expenses or fees related to shipping and handling,
installation, assembly, professional advice, maintenance or other service charges related to the repair,
replacement or reimbursement of Your product.
Length of Coverage
Where a Loss has occurred during the Extended Warranty Period, We will provide a benefit equal to the
coverage of the original manufacturer's warranty on warranties of up to five (5) years.
If the item is also covered by a purchased service contract, the Extended Warranty Period begins at the end
of the purchased service contract and extends the original manufacturer’s warranty for a period of time equal
to the warranty, up to two (2) additional years.
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If the combined coverage of the original manufacturer’s warranty and the purchased service contract exceed
five (5) years, the item purchased is not eligible for benefits under this Plan.
If the Card Member is notified that a warranty has ended for any reason (including, but not limited to,
bankruptcy of the manufacturer or other responsible party), this Plan will continue to provide coverage, not
to exceed the original manufacturer’s warranty up to two (2) years from the date the Card Member is notified
of such event. The Card Member may be asked to provide proof of notification in the form of a public
announcement or other official documentation.
Only a Card Member has a legal and equitable right to any insurance benefit that may be available under
this Plan.
III. EXCLUSIONS
General Exclusions
Benef its are not payable if the Loss for which coverage is sought was directly or indirectly, wholly or partially,
contributed to or caused by:
1. war or acts of war (whether declared or undeclared), participation in a felony, riot, civil disturbance,
protest or insurrections, service in the armed forces or units auxiliary to it;
2. any physical damage, including, but not limited to, damage as a direct result of natural disaster or a
power surge, except to the extent the original manufacturer's warranty covers such damage;
3. mechanical failure covered under product recall; or
4. fraud or abuse or illegal activity of any kind by the Card Member.
Purchases Not Covered
The following purchases are not covered:
1. products covered by an unconditional satisfaction guarantee;
2. animals or living plants;
3. consumable or perishable items with extended or limited life spans (including, but not limited to; food,
perfume, light bulbs, batteries);
4. motorized vehicles (including, but not limited to, passenger cars, trucks, motorcycles, boats, airplanes)
and their parts, subject to high risk, combustion, wear and tear or mileage stipulations (including, but not
limited to, batteries, carburetors, pipes, hoses, pistons, brakes, tires, mufflers);
5. motorized devices and their parts used for agriculture, landscaping, demolition or construction;
6. motorized devices and their parts which are permanent additions or fixtures to a residential or
commercial building unless the item can be removed without causing damage to the structure;
7. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters
and/or any item
that cannot be removed without causing damage to the structure;
8. land or buildings;
9. more than one article in a pair or set. Coverage will be limited to no more than the value of any particular
part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless
of any special value they may have had as part of a set or collection;
10. additional service contract or extended warranty coverage for a computer, computer component or part
that You buy which already comes with an original United States of America, Puerto Rico or the U.S.
Virgin Islands manufacturer’s and/or retailer’s warranty, unless such coverage is provided and
administered by the original manufacturer; and
11. items purchased for use as inventory, resale, professional, or commercial use (including but not limited
to professional education, training or skills, or to be used in professional competition).
IV. CLAIMS PROCESS
If You experience a Loss for which You believe a benefit is payable under this Plan, You must provide both
Notice of Claim and Proof of Loss.
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To insure prompt processing of Your claim, report any Loss immediately following the date of the Loss,
including for gifts purchased on your Account. Retain Your receipts and Your damaged property (if
applicable) until the claim process is complete.
We will decide whether to do one of the following: 1) have the product repaired; 2) have the product replaced;
or 3) reimburse You up to the amount of the item purchased on Your Account.
Notice of Claim
During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of the
Loss. You may contact the Company by calling toll-free stateside 1-800-228-6855 or, if from overseas, by
calling collect 1-303-273-6498. You may also write to Us at Extended Warranty, PO Box 981553, El Paso
TX 79998-9920.
Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit
payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as
reasonably possible. At the time You provide Us with Notice of Claim, We will assist with completion of the
Proof of Loss by providing You with instructions and/or documents, which You may have to complete and
return to Us. You are required to cooperate with Us and provide documentation as requested by Us which
is required and necessary to process Your claim and determine if benefits are payable.
Our Plan matches the terms of and extends Your original manufacturer’s warranty. Therefore, Notice of
Claim requirements within your original manufacturer’s warranty may vary with respect to date of report
versus date of loss. Please review Your original manufacturer’s warranty for further details. No claim will be
denied based upon Your failure to provide notice within such specified time, unless this failure operates to
prejudice Our rights.
Proof of Loss
If required, a claim form will be sent to You after We receive notice of loss. Written proof of loss, which
includes the signed claim form and all other requested documentation, must be received within sixty (60)
days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim,
or Your claim may be denied. The proof of loss must be sent to: Extended Warranty Claims Unit, PO Box
981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not received within
sixty (60) days of Our request (except for documentation which has not been furnished for reasons beyond
Your control), coverage may be denied. It is the Your responsibility to provide all required documentation.
Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:
1. an Extended Warranty claim form;
2. the original itemized store receipt with applicable sales tax included;
3. a copy of the original manufacturer’s warranty and any additional retailer’s warranty and/or service
contract, if applicable; and
4. a repair estimate for the product by an authorized retailer that has been approved by the manufacturer
You may be required to send in the product to Us at Our expense for further evaluation of Your claim. If
requested, You must send in the product within sixty (60) days from the date of Our request to remain eligible
f o r coverag e.
Payment of Claims
A claim for benefits provided by this Plan will be paid within thirty (30) days upon Our receipt and review of
Your complete Proof of Loss documentation and Our determination that a claim is payable according to the
terms of the Plan.
Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge
Us to the extent of such payment.
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For items purchased under installment billing plans, We will pay the amount that has been billed up to the
date of Loss. Once the remaining balance has been paid or fulfilled by You, We will pay the remaining
balance to You.
V. GENERAL PROVISIONS
Assignment
This Policy may not be assigned and any purported assignment is void.
Change of Permanent Residence
You must notify Us as soon as reasonably possible if You change Your Permanent Address. If the change
is to a different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We
will send any and all notices or Plan related materials to Your last known address on file. If You fail to notify
Us of a change in Your Permanent Residence, You may not receive all notices and Plan related materials.
Clerical Error
A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue
insurance not validly in force.
Conformity with State and Federal Law
If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby
amended to comply with such law.
Entire Contract; Representation; Changes
This Policy and any applications, endorsements or riders make up the entire contract. Any statement You
make is a representation and not a warranty. This Policy may be changed at any time by written agreement
by the Company. Changes shall take effect as of the date a replacement Policy is issued or the date
otherwise communicated by the Company.
Fraud
If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means
or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited.
No coverage is provided if You, whether before or after a Loss, have:
1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is
material and is made with the intent to deceive; or
2. concealed or misrepresented any fact if the fact misrepresented contributes to the Loss.
We may be required to report suspicion of fraudulent activity and/or confirmed fraudulent activity to Your
residency state’s Department of Insurance.
Legal Actions
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss
documentation has been received by Us. No such action may be brought after three (3) years from the time
written Proof of Loss documentation is required to be given.
If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended
to meet the minimum time allowed by such law.
Right of Recovery
If We make a payment to You under this Plan and You recover an amount from another, equal to or less
than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent
of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We
have the right to recover from You any amount exceeding the maximum amount payable.
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Subrogation
In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all
Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure
and preserve such rights, including the execution of such documents necessary to enable Us to effectively
bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such
subrogation rights.
We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated
for damages by another party.
VI. TERMINATION OR CANCELLATION
Coverage will terminate automatically on the earliest of the following:
1. the date You no longer maintain a Permanent Residence in the 50 United States of America, the District
of Columbia, Puerto Rico or the U.S. Virgin Islands;
2. the date We notify You of our determination that Your enrollment or claims information contains a
misrepresentation or fraudulent statement or fails to disclose material information;
3. the date You terminate Your Account and are no longer a Card Member;
4. the date Your Account is cancelled by American Express; or
5. the date the Plan is not available in the location where You maintain a Permanent Residence.
The Company has the right to cancel this Policy or any endorsement or rider at any time by sending a written
notice at least sixty (60) days in advance to You at Your last known address. The notice will include the
reason for cancellation. You will be eligible to receive benefits if You fully activated coverage in accordance
with this Policy prior to the effective date of the Company’s cancellation.
Termination or cancellation of coverage will not prejudice any Notice of Claim submitted prior to termination
or cancellation, subject to all other terms of the Plan.
VII. IMPORTANT ADDITIONAL INFORMATION FOR YOU
The benefits described herein are subject to all of the terms, conditions, and exclusions of the Policy. This
Policy replaces any prior Policy which may have been issued to You. For any questions regarding the
benefits described in this Policy, please call 1-800-228-6855 or International Collect 1-303-273-6498, the
number listed on the back of Your card, or the number shown on Your card statement.
This Policy is an important document. Please read it and keep it in a safe place.
IN WITNESS WHEREOF, We have caused this Insurance Policy to be signed by Our officers:
Gregory M. Pond Mark W. Musser
President Secretary
AMEX Assurance Company AMEX Assurance Company
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AMENDATORY ENDORSEMENT
To be attached to and made a part of the Description of Coverage/Policy.
THIS ENDORSEMENT CHANGES YOUR DESCRIPTION OF COVERAGE/POLICY. PLEASE
READ IT
CAREFULLY.
Applicable to Residents of Texas
1. The Proof of Loss provision is replaced by the following:
If required, a claim form will be sent to You after We receive notice of loss. Written proof of loss, which
includes the signed claim form and all other requested documentation, must be received within ninety (90)
days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim,
or Your claim may be denied. The proof of loss must be sent to: AMEX Assurance Company Claims Unit,
PO Box 981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not
received within ninety (90) days of Our request (except for documentation which has not been furnished for
reasons beyond Your control), coverage may be denied. It is the Your responsibility to provide all required
documentation.
2. The Payment of Claims provision is replaced by the following:
Within 15 days after our receipt of proof of loss documentation and all information requested, We will
provide You notification in writing as to whether:
a. the claim or part of the claim will be paid; or
b. the claim or part of the claim has been denied, and inform You :
i. of the reasons for denial;
ii. more information is necessary; or
iii. We need additional time to reach a decision. If additional time is needed, We will inform
You of the reasons for such need.
If We have notified You that additional time is needed to reach a decision, We will either approve or deny
the claim within 45 days of such notice. We will pay for a covered loss within 5 days after we have notified
you that payment of the claim or part of the claim will be made.
Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully
discharge Us to the extent of such payment.
For items purchased under installment billing plans, We will pay the amount that has been billed up to the
date of Loss/Covered Incident. Once the remaining balance has been paid or fulfilled by You, We will pay
the remaining balance to You.
3. The following is hereby added to the Fraud section:
Coverage cannot be forfeited unless the material misrepresentation was shown at trial that the matter
misrepresented:
a. was material to the risk; or
b. contributed to the contingency or event on which the Policy became due and payable.
4. The Legal Actions provision is replaced by the following:
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has
been received by Us. No such action may be brought after three (3) years from the time a claim has been
denied.
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5. The following is hereby added to the Termination or Cancellation section:
We may not cancel or non-renew this Policy based solely on the fact that You are an elected official.
ALL OTHER TERMS AND CONDITIONS OF THE DESCRIPTION OF COVERAGE/POLICY REMAIN
UNCHANGED.
Gregory M. Pond Mark W. Musser
President Secretary
AMEX Assurance Company AMEX Assurance Company
EWPP-TX-END1 09/17
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IMPORTANT NOTICE
To obtain information or make a complaint:
You may call AMEX Assurance Company’s toll-free
telephone number for information or to make a
complaint at:
1-800-228-6855
You may also write to AMEX Assurance Company
at:
PO Box 53701
AZ08-02-02
Phoenix, AZ 85072-9872
You may contact the Texas Department of
Insurance to obtain information on companies,
coverages, rights or complaints at:
1-800-252-3439
You may write the Texas Department of Insurance:
PO Box 149104
Austin, TX 78714-9104
Fax: 1-512-490-1007
Web: www.tdi.texas.gov
E-mail: ConsumerProtection@tdi.texas.gov
PREMIUM OR CLAIM DISPUTES:
Should you have a dispute concerning your
premium or about a claim, you should contact the
company first. If the dispute is not resolved, you
may contact the Texas Department of Insurance.
ATTACH THIS NOTICE TO YOUR
POLICY:
This notice is for information only and does not
become a part or condition of the attached
document.
AVISO IMPORTANTE
Para obtener información o para presentar una
queja:
Usted puede llamar al número de teléfono gratuito
de AMEX Assurance Company’s para obtener
información o para presentar una queja al:
1-800-228-6855
Usted también puede escribir a AMEX Assurance
Company:
PO Box 53701
AZ08-02-02
Phoenix, AZ 85072-9872
Usted puede comunicarse con el Departamento de
Seguros de Texas para obtener información sobre
compañías, coberturas, derechos, o quejas al:
1-800
-252-3439
Usted puede escribir al Departamento de Seguros
de Texas a:
PO Box 149104
Austin, TX 78714-9104
Fax: 1-512-490-1007
Sitio web: www.tdi.texas.gov
E-mail: ConsumerProtection@tdi.texas.gov
DISPUTAS POR PRIMAS DE SEGUROS O
RECLAMACIONES:
Si tiene una disputa relacionada con su prima de
seguro o con una reclamación, usted debe
comunicarse con la compañía primero. Si la
disputa no es resuelta, usted puede comunicarse
con el Departamento de Seguros de Texas.
ADJUNTE ESTE AVISO A SU PÓLIZA:
Este aviso es solamente para propósitos
informativos y no se convierte en parte o en
condición del documento adjunto.
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EXTENDED WARRANTY
DESCRIPTION OF COVERAGE
Tokio Marine Pacific Insurance Limited
Extended Warranty will extend the terms of the original
manufacturer's warranty for a period of time equal to
the duration of the original manufacturer's warranty, up
to one (1) additional year (Centurion Cardmembers up
to (3) three additional years) on warranties of five (5)
years or less that are eligible in the United States of
America, Guam, or the Commonwealth of the Northern
Marianas. (See Description of Benefits Section) The
coverage provided under this benefit is EXCESS of
other sources of indemnity.
DEFINITIONS
Certain words used in this Description of Coverage are
capitalized throughout and have special meanings.
Wherever used herein, the singular shall include the
plural, the plural shall include the singular, as the
context requires.
Account means Your American Express Card
Account.
Cardmember means a person or Sponsoring
Organization who has been issued a United States
based proprietary American Express Card, which is
Current and in Good Standing, and who has a
Permanent Residence of Guam, or the Commonwealth
of the Northern Marianas.
Company means Tokio Marine Pacific Insurance
Limited, and its duly authorized agents.
Current and in Good Standing means a Cardmember
Account for which the monthly minimum requirement
has been paid prior to the date in which the claim is
payable.
Loss means the product malfunction which
necessitates the repair or replacement of any one
product, as covered by the terms of that product's
original warranty which is valid in the United States of
America, Guam or the Commonwealth of the Northern
Marianas when the expense of the purchase, whether
for Your use or as a gift, has been charged to Your
Account.
Master Policyholder means American Express Travel
Related Services Company, Inc.
Permanent Residence means the one primary
dwelling place where the Cardmember resides and to
which they intend to return.
Plan means the Policy and the benefits described
therein.
Policy means the Group Insurance Master Policy
CRCB000000109.
We, Us, Our means the Company.
You, Your means the Cardmember.
DESCRIPTION OF BENEFITS
Where a Loss has occurred during this Plan's
extended warranty time period of up to one (1)
additional year (Centurion Cardmembers up to (3)
three additional years), We will provide a benefit
equal to the coverage of the original manufacturer's
warranty on warranties of up to five (5) years. We will
pay up to the actual amount charged to Your Account
for the product for which a Loss is claimed, but not to
exceed $10,000. If the product also is covered by a
purchased service contract, this Plan's extended
warranty time period begins at the end of the service
contract and extends the original manufacturer's
warranty for a period of time equal to that warranty,
up to one (1) additional year (Centurion
Cardmembers up to (3) three additional years). If the
combined coverage of the original manufacturer's
warranty and the purchased service contract exceed
five (5) years, the product purchased is not eligible
under this Plan and no coverage applies.
Extended Warranty does not reimburse for shipping
and handling expenses or installation, assembly,
professional advice, maintenance or other service
charges.
If You experience more than one Loss in a calendar
year, We will pay an amount not to exceed $50,000
for all Losses in a calendar year. Our benefit payment
will not include any product rebates, discounts or
money received from the lowest price comparison
programs that reduced the original cost of the
property.
Our payment of any eligible benefit amount is further
contingent upon Your Account being Current and in
Good Standing.
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Only a Cardmember has a legal and equitable right to
any insurance benefit that may be available under this
Plan.
EXCLUSIONS
Benefits are not payable if the Loss for which coverage
is sought was directly or indirectly, wholly or partially,
contributed to or caused by:
1. any physical damage, including, but not limited to,
damage as a direct result of natural disaster or a
power surge, except to the extent the original
manufacturer's warranty covers such damage;
2. mechanical failure covered under product recall; or
3. fraud or abuse or illegal activity of any kind by the
Cardmember.
PURCHASES NOT COVERED
The following are not covered:
1. products covered by an unconditional satisfaction
guarantee;
2. motorized vehicles (including, but not limited to,
passenger cars, trucks, motorcycles, boats,
airplanes) and their parts, subject to high risk,
combustible, wear and tear or mileage stipulations
(including, but not limited to, batteries, carburetors,
pipes, hoses, pistons, brakes, tires, or mufflers);
3. motorized devices and their parts used for
agriculture, landscaping, demolition or
construction;
4. motorized devices and their parts which are
permanent additions or fixtures to a residential or
commercial building;
5. business fixtures, including, but not limited to, air
conditioners, refrigerators, heaters;
6. land or buildings;
7. consumable or perishable items;
8. animals or living plants;
9. more than one article in a pair or set. Coverage will
be limited to no more than the value of any
particular part or parts, unless the articles are
unusable individually and cannot be replaced
individually, regardless of any special value they
may have had as part of a set or collection;
10. items still under installment billing;
11. additional service contract or extended warranty
coverage for a computer, computer component or
part that You buy which already comes with an
original manufacturer's warranty from the United
States of America, Guam, or the Commonwealth of
the Northern Marianas, unless such coverage is
provided and administered by the original
manufacturer; and
12. items purchased for resale, professional, or
commercial use (this only applies for Consumer
Cardmembers, this is removed for Open
Cardmembers).
CLAIMS PROVISIONS
If You experience a Loss for which You believe a
benefit is payable under this Plan, You must provide
both Notice of Claim and Proof of Loss.
We will decide whether to have the product repaired
or replaced, or to reimburse You up to the amount of
the item purchased on Your Card.
To insure prompt processing of Your claim retain Your
American Express charge receipts, Your original
purchase receipts, all warranty or service contract
documents, as well as the defective property, should
be retained by You and furnished to Us as We may
require to establish Your Proof of Loss.
Notice of Claim
Notice of Claim should be provided to Us within thirty
(30) days of the Loss. You may contact Us by calling
toll-free stateside 1-800-228-6855 or, if from
overseas, by calling collect 1-303-273-6498 You may
also write to Us at Extended Warranty, PO Box
981553, El Paso TX 79998-9920.
Failure to provide Notice of Claim within thirty (30)
days will not invalidate a claim or reduce any benefit
payment that may be found to be eligible, if it can be
shown that it was provided as soon as reasonably
possible. At the time You provide Us with Notice of
Claim, We will assist You with Your Proof of Loss by
providing You with instructions and/or documents,
which You may have to complete and return to Us.
You are required to cooperate with Us and provide
documentation as requested by Us which is required
and necessary to process Your claim and determine
if benefits are payable.
Proof of Loss
Proof of Loss requires You to send Us all the
information We request, at Your expense, in order
that Your claim may be evaluated and that We may
make a determination as to whether the claim may be
paid. You must provide Us with satisfactory Proof of
Loss within thirty (30) days after We have provided
You with instructions and/or documentation in
response to Your Notice of Claim or Your claim may
be denied. Your Proof of Loss documentation may be
mailed to Us at the same address provided above for
mailing Your Notice of Claim. We reserve the right to
request all the information We deem necessary to
determine that Your claim is payable, and We will not
consider that We have received complete Proof of
Loss until the information We have requested is
44 of 72
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received.
Proof of Loss may require documentation consisting of,
but not necessarily limited to, the following:
1. the American Express charge receipt;
2. the original itemized store receipt;
3. a copy of the manufacturer's warranty;
4. service contract; and
5. a repair estimate for the product.
No payment will be made on claims not substantiated
in the manner required by Us.
If all required documentation is not received within
thirty (30) days of the date of the Covered Incident
(except for documentation which has not been
furnished for reasons beyond Your control), coverage
may be denied. It is Your responsibility to provide all
required documentation We request.
You may be required to mail the product to Us at Your
expense for further evaluation of Your claim. If
requested, You must mail it within thirty (30) days from
the date of request to remain eligible for coverage.
Payment of Claim
A claim for benefits provided by this Plan will be paid
upon Our receipt and review of Your complete Proof of
Loss documentation and Our determination that a claim
is payable according to the terms of the Plan.
Any payment made by Us in good faith pursuant to this
or any other provision of this Plan will fully discharge Us
to the extent of such payment.
lf other insurance is available to You which provides the
same or similar coverage as that provided by this Plan,
this Plan becomes excess and We will pay only that
portion of the Covered Incident benefit which is not
reimbursed by other insurance up to Our limits, as
provided under the Description of Benefits section.
GENERAL PROVISIONS
Change of Permanent Residence
If the change is to a different state, Your Policy
provisions may be adjusted to conform to the
requirements of that state.
Clerical Error
A clerical error made by the Company will not invalidate
insurance otherwise validly in force nor continue
insurance not validly in force.
Conformity with Local and Federal Law
lf a Plan provision does not conform to applicable
provisions of Local or Federal law, the Plan is hereby
amended to comply with such law.
Entire Contract; Representation; Changes This
Description of Coverage, the Policy and any
applications, endorsements or riders make up the
entire contract. Any statement You make is a
representation and not a warranty. This Description of
Coverage may be changed at any time by written
agreement between the Master Policyholder and the
Company. Only the President, Vice-President or
Secretary of Tokio Marine Pacific Insurance Limited
may change or waive the provisions of the Description
of Coverage. No agent or other person may change
the Description of Coverage or waive any of its terms.
This Description of Coverage may be changed at any
time by providing notice to You. A copy of the Policy
will be maintained and kept by the Master
Policyholder and may be examined at any time.
Excess Coverage
If any Loss under this Policy is insured under any
other valid and collectible policy, then this Policy shall
cover such Loss, subject to its exclusions, conditions,
provisions and other terms herein, only to the extent
that the amount of such Loss is in excess of the
amount of such other insurance which is payable or
paid.
Fraud
If any request for benefits made under the Plan is
determined to be fraudulent or if any fraudulent
means or devices are used by You or by anyone
acting on Your behalf to obtain benefits, all benefits
will be forfeited.
We do not provide coverage to a Cardmember who,
whether before or after a Loss, has:
1. concealed or misrepresented any fact upon which
we rely, if the concealment or misrepresentation
is material and is made with the intent to deceive;
or
2. concealed or misrepresented any fact if the fact
misrepresented contributes to the Loss.
Legal Actions
No legal action may be brought to recover against this
Plan until sixty (60) days after Proof of Loss has been
received by Us. No such action may be brought after
three (3) years from the time written Proof of Loss is
required to be given.
If a time limit of this Plan is less than allowed by the
laws of the state where You live, the limit is extended
to meet the minimum time allowed by such law.
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Right of Recovery
If We make a payment to You under this Plan and You
recover an amount from another, equal to or less than
Our payment, You shall hold in trust for Us the
proceeds of the recovery and reimburse Us to the
extent of Our payment. If Our payments exceed the
maximum amount payable under the benefits of this
Plan, We have the right to recover from You any
amount exceeding the maximum amount payable.
Subrogation
In the event of any payment under this Policy, We shall
be subrogated to the extent of such payment to all Your
rights of recovery. You shall execute all papers required
and shall do everything necessary to secure and
preserve such rights, including the execution of such
documents necessary to enable Us to effectively bring
suit or otherwise pursue subrogation rights in Your
name. You shall do nothing to prejudice such
subrogation rights.
We shall be entitled to a recovery as stated in these
provisions only after You have been fully compensated
for damages by another party.
Termination or Cancellation
Coverage will cease on the earliest of the following:
1. The date You no longer maintain a Permanent
Residence in Guam, or the Commonwealth of the
Northern Marianas;
2. the date We determine that You or someone on
Your behalf intentionally misrepresented or fraud
occurred;
3. the date the Policy is cancelled;
4. the date You are no longer a Cardmember;
5. the date Your Account ceases to be Current and in
Good Standing; or
6. the date the Plan is not available in the location
where You maintain a Permanent Residence.
Termination or cancellation of coverage will not
prejudice any claim originating prior to termination or
cancellation subject to all other terms of the Policy.
The Company has the right to cancel the Policy at any
time by sending a written notice at least forty five (45)
days in advance to You at Your last known address.
The notice will include the reason for cancellation.
IMPORTANT ADDITIONAL INFORMATION FOR
YOU
If the Cardmember is notified that any warranty has
ended for any reason (including, but not limited to,
bankruptcy of the manufacturer or other responsible
party), this Plan will continue to provide coverage, not
to exceed the original manufacturer's warranty up to
one (1) year (Centurion Cardmembers up to (3) three
additional years) from the date the Cardmember is
notified of such event. The Cardmember may be
asked to provide proof in the form of a public
announcement or other official documentation.
For those eligible and enrolled in the Membership
Rewards® program, a product is eligible for coverage
under this Plan if it was purchased through
redemption of a Membership Rewards redemption
certificate. Payment or credit will not exceed the
original assigned value of the property received
through redemption of a Membership Rewards
redemption certificate up to the stated limits, which
are indicated in Description of Benefits section.
Benefits will not be paid when a Membership
Rewards redemption certificate has been transferred
to a non-eligible Cardmember or non-Cardmembers.
This Description of Coverage replaces any other
Description of Coverage that You may have
previously received for Extended Warranty or its
predecessor plan, Buyer's Assurance Plan.
This Description of Coverage is an important
document. Please read it and keep it in a safe place.
IN WITNESS WHEREOF, We have caused this
Description of Coverage to be signed by Our officers:
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EXTENDED WARRANTY
INSURANCE POLICY
Underwritten by AMEX Assurance Company
Administrative Office, 18850 N 56th St, AZ08-02-02, Phoenix, AZ 85054
For purchases charged to Your Account, Extended Warranty will extend the terms of the original manufacturer's
warranty on warranties of five (5) years or less that are eligible in the United States of America, Puerto Rico or the
U.S. Virgin Islands, subject to exclusions and limitations described in this Insurance Policy. We will match the length
of the original warranty if the original manufacturer’s warranty is less than one (1) year, or we will provide one (1)
additional year if the original manufacturer’s warranty is between one (1) year and five (5) years. If the o rig inal
manufacturer’s warranty exceeds five (5) years, the product purchased is not eligible under this Plan and no
coverage applies.
INDEX
Definitions Section I
Description of Benefits Section II
Exclusions Section III
Claims Process Section IV
General Provisions Section V
Termination or Cancellation Section VI
Important Additional Information For You Section VII
I. DEFINITIONS
Certain words used in this Insurance Policy are capitalized throughout and have special meanings. Wherever used
herein, the singular shall include the plural, the plural shall include the singular, as the context requires.
Account means Your American Express® Card Account on which the record of the charge for the item purchased
is made.
American Express Card means any card bearing an American Express trademark or logo authorized by American
Express Travel Related Services Company Inc., or its subsidiaries or affiliates, which can be used to purchase
goods or services at merchants on the American Express Network and which American Express Travel Related
Services Company, Inc. designates as eligible for coverage under the Policy.
Card Member means a person who has been issued a United States of America based proprietary American
Express Card and who has a Permanent Residence in the 50 United States of America, or the District of Columbia,
Puerto Rico or the U.S. Virgin Islands.
Company means AMEX Assurance Company.
Extended Warranty Period means a period of time equal to the length of the original manufacturer’s warranty
when the original warranty is less than one (1) year, or one (1) additional year if the original manufacturer’s warranty
is between one (1) year and five (5) years.
Insurance Policy or Policy means the contract issued to the Policyholder provided the benefits described
herein.
Loss means the product malfunction which necessitates the repair, replacement or reimbursement of any one
product, as covered by the terms of that product's original warranty, which is valid in the United States of America,
Puerto Rico or the U.S. Virgin Islands when the purchase of the product, whether for Your use or as a gift, has been
charged to Your Account.
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Membership Rewards® Points means credits obtained through the Membership Rewards program available
with most American Express Cards, which are earned when making certain purchases with such cards. In some
cases, participating Card Members receive a redemption certificate in order to use their Membership Rewards
points.
Pay with Points is a process that may be available to an individual who accrues American Express Membership
Rewards Points and then uses the Membership Rewards Points to pay for an item by converting them to
statement credits to off-set some or all of the expense of that item reflected on the individual’s Account
statement.
Permanent Residence means the one primary dwelling place where the Card Member resides and to which he/she
intend to return and, if necessary, can be evidenced by a current and active official form of Identification, examples
include, but are not limited to: State issued Identification Card, Driver License, and Voter Identification Card
Plan means the Policy and the benefits described therein.
Policyholder means Card Member.
We, Us and Our means the Company.
You and Your means the Card Member.
II. DESCRIPTION OF BENEFITS
What is Covered
We will pay Your Loss up to the actual amount charged to Your Account (including applicable sales tax) for
the item for which a Loss is claimed, but not to exceed the original cost of the item or $10,000, whichever is
less. If you incur multiple Losses for the same item, the aggregate payments too shall not exceed the lesser
of the original cost of the item or $10,000, whichever is less.
Only valid and reasonable repairs up to the purchase amount of the item made at a manufacturer and/or
retailer’s authorized repair facility are covered.
If You experience more than one Loss in a calendar year, We will pay an amount not to exceed $50,000 for
all Losses per Card Member Account in each calendar year. Our benefit payment will not include any product
rebates, discounts or money received from the lowest price comparison programs that reduced the original
cost of the item.
For Accounts enrolled in the Membership Rewards Points and/or Pay with Points program(s), an item is
eligible for coverage under this Plan if it was purchased through the redemption of Membership Rewards
Points and/or Pay with Points. Our benefit payment will not exceed the amount of the Membership Reward
Points and/or Pay with Points You redeemed to purchase the item. Benefits will not be paid when redemption
of Membership Rewards Points and/or Pay with Points have been transferred to a non-eligible card account
or non-Card Members.
Our benefit payment will not include payment of expenses or fees related to shipping and handling,
installation, assembly, professional advice, maintenance or other service charges related to the repair,
replacement or reimbursement of Your product.
Length of Coverage
Where a Loss has occurred during the Extended Warranty Period, We will provide a benefit equal to the
coverage of the original manufacturer's warranty on warranties of up to five (5) years.
If the item is also covered by a purchased service contract, the Extended Warranty Period begins at the end
of the purchased service contract and extends the original manufacturer’s warranty for a period of time equal
to the warranty, up to one (1) additional year.
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If the combined coverage of the original manufacturer’s warranty and the purchased service contract exceed
five (5) years, the item purchased is not eligible for benefits under this Plan.
If the Card Member is notified that a warranty has ended for any reason (including, but not limited to,
bankruptcy of the manufacturer or other responsible party), this Plan will continue to provide coverage, not
to exceed the original manufacturer’s warranty up to one (1) year from the date the Card Member is notified
of such event. The Card Member may be asked to provide proof of notification in the form of a public
announcement or other official documentation.
Only a Card Member has a legal and equitable right to any insurance benefit that may be available under
this Plan.
III. EXCLUSIONS
General Exclusions
Benef its are not payable if the Loss for which coverage is sought was directly or indirectly, wholly or partially,
contributed to or caused by:
1. war or acts of war (whether declared or undeclared), participation in a felony, riot, civil disturbance,
protest or insurrections, service in the armed forces or units auxiliary to it;
2. any physical damage, including, but not limited to, damage as a direct result of natural disaster or a
power surge, except to the extent the original manufacturer's warranty covers such damage;
3. mechanical failure covered under product recall; or
4. fraud or abuse or illegal activity of any kind by the Card Member.
Purchases Not Covered
The following purchases are not covered:
1. products covered by an unconditional satisfaction guarantee;
2. animals or living plants;
3. consumable or perishable items with extended or limited life spans (including, but not limited to; food,
perfume, light bulbs, batteries);
4. motorized vehicles (including, but not limited to, passenger cars, trucks, motorcycles, boats, airplanes)
and their parts, subject to high risk, combustion, wear and tear or mileage stipulations (including, but not
limited to, batteries, carburetors, pipes, hoses, pistons, brakes, tires, mufflers);
5. motorized devices and their parts used for agriculture, landscaping, demolition or construction;
6. motorized devices and their parts which are permanent additions or fixtures to a residential or
commercial building unless the item can be removed without causing damage to the structure;
7. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters
and/or any item
that cannot be removed without causing damage to the structure;
8. land or buildings;
9. more than one article in a pair or set. Coverage will be limited to no more than the value of any particular
part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless
of any special value they may have had as part of a set or collection;
10. additional service contract or extended warranty coverage for a computer, computer component or part
that You buy which already comes with an original United States of America, Puerto Rico or the U.S.
Virgin Islands manufacturer’s and/or retailer’s warranty, unless such coverage is provided and
administered by the original manufacturer; and
11. items purchased for use as inventory, resale, professional, or commercial use (including but not limited
to professional education, training or skills, or to be used in professional competition).
IV. CLAIMS PROCESS
If You experience a Loss for which You believe a benefit is payable under this Plan, You must provide both
Notice of Claim and Proof of Loss.
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To insure prompt processing of Your claim, report any Loss immediately following the date of the Loss,
including for gifts purchased on your Account. Retain Your receipts and Your damaged property (if
applicable) until the claim process is complete.
We will decide whether to do one of the f ollowing: 1) have the product repaired; 2) have the product replaced;
or 3) reimburse You up to the amount of the item purchased on Your Account.
Notice of Claim
During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of the
Loss. You may contact the Company by calling toll-free stateside 1-800-228-6855 or, if from overseas, by
calling collect 1-303-273-6498. You may also write to Us at Extended Warranty, PO Box 981553, El Paso
TX 79998-9920.
Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit
payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as
reasonably possible. At the time You provide Us with Notice of Claim, We will assist with completion of the
Proof of Loss by providing You with instructions and/or documents, which You may have to complete and
return to Us. You are required to cooperate with Us and provide documentation as requested by Us which
is required and necessary to process Your claim and determine if benefits are payable.
Our Plan matches the terms of and extends Your original manufacturer’s warranty. Therefore, Notice of
Claim requirements within your original manufacturer’s warranty may vary with respect to date of report
versus date of loss. Please review Your original manufacturer’s warranty for further details. No claim will be
denied based upon Your failure to provide notice within such specified time, unless this failure operates to
prejudice Our rights.
Proof of Loss
If required, a claim form will be sent to You after We receive notice of loss. Written proof of loss, which
includes the signed claim form and all other requested documentation, must be received within sixty (60)
days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim,
or Your claim may be denied. The proof of loss must be sent to: Extended Warranty Claims Unit, PO Box
981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not received within
sixty (60) days of Our request (except for documentation which has not been furnished for reasons beyond
Your control), coverage may be denied. It is the Your responsibility to provide all required documentation.
Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:
1. an Extended Warranty claim form;
2. the original itemized store receipt with applicable sales tax included;
3. a copy of the original manufacturer’s warranty and any additional retailer’s warranty and/or service
contract, if applicable; and
4. a repair estimate for the product by an authorized retailer that has been approved by the manufacturer
You may be required to send in the product to Us at Our expense for further evaluation of Your claim. If
requested, You must send in the product within sixty (60) days from the date of Our request to remain eligible
for coverag e.
Payment of Claims
A claim for benefits provided by this Plan will be paid within thirty (30) days upon Our receipt and review of
Your complete Proof of Loss documentation and Our determination that a claim is payable according to the
terms of the Plan.
Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge
Us to the extent of such payment.
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For items purchased under installment billing plans, We will pay the amount that has been billed up to the
date of Loss. Once the remaining balance has been paid or fulfilled by You, We will pay the remaining
balance to You.
V. GENERAL PROVISIONS
Assignment
This Policy may not be assigned and any purported assignment is void.
Change of Permanent Residence
You must notify Us as soon as reasonably possible if You change Your Permanent Address. If the change
is to a different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We
will any and all send notices or Plan related materials to Your last known address on file. If You fail to notify
Us of a change in Your Permanent Residence, You may not receive all notices and Plan related materials.
Clerical Error
A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue
insurance not validly in force.
Conformity with State and Federal Law
If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby
amended to comply with such law.
Entire Contract; Representation; Changes
This Policy and any applications, endorsements or riders make up the entire contract. Any statement You or
the Authorized Driver make is a representation and not a warranty. This Policy may be changed at any time
by written agreement by the Company. Changes shall take effect as of the date a replacement Policy is
issued or the date otherwise communicated by the Company.
Fraud
If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means
or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited.
No coverage is provided if You, whether before or after a Loss, have:
1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is
material and is made with the intent to deceive; or
2. concealed or misrepresented any fact if the fact misrepresented contributes to the Loss.
We may be required to report suspicion of fraudulent activity and/or confirmed fraudulent activity to Your
residency state’s Department of Insurance.
Legal Actions
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss
documentation has been received by Us. No such action may be brought after three (3) years from the time
written Proof of Loss documentation is required to be given.
If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended
to meet the minimum time allowed by such law.
Right of Recovery
If We make a payment to You under this Plan and You recover an amount from another, equal to or less
than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent
of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We
have the right to recover from You any amount exceeding the maximum amount payable.
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Subrogation
In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all
Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure
and preserve such rights, including the execution of such documents necessary to enable Us to effectively
bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such
subrogation rights.
We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated
for damages by another party.
VI. TERMINATION OR CANCELLATION
Coverage will terminate automatically on the earliest of the following:
1. the date You no longer maintain a Permanent Residence in the 50 United States of America, the District
of Columbia, Puerto Rico or the U.S. Virgin Islands;
2. the date We notify You of our determination that Your enrollment or claims information contains a
misrepresentation or fraudulent statement or fails to disclose material information;
3. the date You terminate Your Account and are no longer a Card Member;
4. the date Your Account is cancelled by American Express; or
5. the date the Plan is not available in the location where You maintain a Permanent Residence.
The Company has the right to cancel this Policy or any endorsement or rider at any time by sending a written
notice at least sixty (60) days in advance to You at Your last known address. The notice will include the
reason for cancellation. You will be eligible to receive benefits if You fully activated coverage in accordance
with this Policy prior to the effective date of the Company’s cancellation.
Termination or cancellation of coverage will not prejudice any Notice of Claim submitted prior to termination
or cancellation, subject to all other terms of the Plan.
VII. IMPORTANT ADDITIONAL INFORMATION FOR YOU
The benefits described herein are subject to all of the terms, conditions, and exclusions of the Policy. This
Policy replaces any prior Policy which may have been issued to You. For any questions regarding the
benefits described in this Policy, please call 1-800-228-6855 or International Collect 1-303-273-6498, the
number listed on the back of Your card, or the number shown on Your card statement.
This Policy is an important document. Please read it and keep it in a safe place.
IN WITNESS WHEREOF, We have caused this Insurance Policy to be signed by Our officers:
Gregory M. Pond Mark W. Musser
President Secretary
AMEX Assurance Company AMEX Assurance Company
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Other State Notices
FOR INDIANA RESIDENTS
Questions regarding your policy or coverage should be directed to:
AMEX Assurance Company
1=800-228-6855
If you (a) need the assistance of the governmental agency that regulates insurance or (b) have a complaint you
have been unable to resolve with your insurer you may contact the Department of Insurance by mail, telephone or
email:
State of Indiana Department of insurance
Consumer Services Division
311 West Washington Street, Suite 300
Indianapolis, IN 46204-2787
Consumer Hotline: 1-800-622-4461; 1-317-232-2395.
Complaints can be filed electronically at www.in.gov/idoi
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EXTENDED WARRANTY
INSURANCE POLICY
Underwritten by AMEX Assurance Company
Administrative Office, 18850 N 56th St, AZ08-02-02, Phoenix, AZ 85054
For purchases charged to Your Account, Extended Warranty will extend the terms of the original manufacturer's
warranty on warranties of five (5) years or less that are eligible in the United States of America, Puerto Rico or the
U.S. Virgin Islands, subject to exclusions and limitations described in this Insurance Policy. We will match the length
of the original warranty if the original manufacturer’s warranty is less than two (2) years, or we will provide two (2)
additional years if the original manufacturer’s warranty is between two (2) years and five (5) years. If the o riginal
manufacturer’s warranty exceeds five (5) years, the product purchased is not eligible under this Plan and no
coverage applies.
INDEX
Definitions Section I
Description of Benefits Section II
Exclusions Section III
Claims Process Section IV
General Provisions Section V
Termination or Cancellation Section VI
Important Additional Information For You Section VII
I. DEFINITIONS
Certain words used in this Insurance Policy are capitalized throughout and have special meanings. Wherever used
herein, the singular shall include the plural, the plural shall include the singular, as the context requires.
Account means Your American Express® Card Account on which the record of the charge for the item purchased
is made.
American Express Card means any card bearing an American Express trademark or logo authorized by American
Express Travel Related Services Company Inc., or its subsidiaries or affiliates, which can be used to purchase
goods or services at merchants on the American Express Network and which American Express Travel Related
Services Company, Inc. designates as eligible for coverage under the Policy.
Card Member means a person who has been issued a United States of America based proprietary American
Express Card and who has a Permanent Residence in the 50 United States of America, the District of Columbia,
Puerto Rico or the U.S. Virgin Islands.
Company means AMEX Assurance Company.
Extended Warranty Period means a period of time equal to the length of the original manufacturer’s warranty
when the original warranty is less than two (2) years, or two (2) additional years if the original manufacturer’s
warranty is between two (2) years and five (5) years.
Insurance Policy or Policy means the contract issued to the Policyholder provided the benefits described
herein.
Loss means the product malfunction which necessitates the repair, replacement or reimbursement of any one
product, as covered by the terms of that product's original warranty, which is valid in the United States of America,
Puerto Rico or the U.S. Virgin Islands when the purchase of the product, whether for Your use or as a gift, has been
charged to Your Account.
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Membership Rewards® Points means credits obtained through the Membership Rewards program available
with most American Express Cards, which are earned when making certain purchases with such cards. In some
cases, participating Card Members receive a redemption certificate in order to use their Membership Rewards
points.
Pay with Points is a process that may be available to an individual who accrues American Express Membership
Rewards Points and then uses the Membership Rewards Points to pay for an item by converting them to statement
credits to off-set some or all of the expense of that item reflected on the individual’s Account statement.
Permanent Residence means the one primary dwelling place where the Card Member resides and to which he/she
intend to return and, if necessary, can be evidenced by a current and active official form of Identification, examples
include, but are not limited to: State issued Identification Card, Driver License, and Voter Identification Card
Plan means the Policy and the benefits described therein.
Policyholder means Card Member.
We, Us and Our means the Company.
You and Your means the Card Member.
II. DESCRIPTION OF BENEFITS
What is Covered
We will pay Your Loss up to the actual amount charged to Your Account (including applicable sales tax) for
the item for which a Loss is claimed, but not to exceed the original cost of the item or $10,000, whichever is
less. If you incur multiple Losses for the same item, the aggregate payments too shall not exceed the lesser
of the original cost of the item or $10,000, whichever is less.
Only valid and reasonable repairs up to the purchase amount of the item made at a manufacturer and/or
retailer’s authorized repair facility are covered.
If You experience more than one Loss in a calendar year, We will pay an amount not to exceed $50,000 for
all Losses per Card Member Account in each calendar year. Our benefit payment will not include any product
rebates, discounts or money received from the lowest price comparison programs that reduced the original
cost of the item.
For Accounts enrolled in the Membership Rewards Points and/or Pay with Points program(s), an item is
eligible for coverage under this Plan if it was purchased through the redemption of Membership Rewards
Points and/or Pay with Points. Our benefit payment will not exceed the amount of the Membership Reward
Points and/or Pay with Points You redeemed to purchase the item. Benefits will not be paid when redemption
of Membership Rewards Points and/or Pay with Points have been transferred to a non-eligible card account
or non-Card Members.
Our benefit payment will not include payment of expenses or fees related to shipping and handling,
installation, assembly, professional advice, maintenance or other service charges related to the repair,
replacement or reimbursement of Your product.
Length of Coverage
Where a Loss has occurred during the Extended Warranty Period, We will provide a benefit equal to the
coverage of the original manufacturer's warranty on warranties of up to five (5) years.
If the item is also covered by a purchased service contract, the Extended Warranty Period begins at the end
of the purchased service contract and extends the original manufacturer’s warranty for a period of time equal
to the warranty, up to two (2) additional years.
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If the combined coverage of the original manufacturer’s warranty and the purchased service contract exceed
five (5) years, the item purchased is not eligible for benefits under this Plan.
If the Card Member is notified that a warranty has ended for any reason (including, but not limited to,
bankruptcy of the manufacturer or other responsible party), this Plan will continue to provide coverage, not
to exceed the original manufacturer’s warranty up to two (2) years from the date the Card Member is notified
of such event. The Card Member may be asked to provide proof of notification in the form of a public
announcement or other official documentation.
Only a Card Member has a legal and equitable right to any insurance benefit that may be available under
this Plan.
III. EXCLUSIONS
General Exclusions
Benef its are not payable if the Loss for which coverage is sought was directly or indirectly, wholly or partially,
contributed to or caused by:
1. war or acts of war (whether declared or undeclared), participation in a felony, riot, civil disturbance,
protest or insurrections, service in the armed forces or units auxiliary to it;
2. any physical damage, including, but not limited to, damage as a direct result of natural disaster or a
power surge, except to the extent the original manufacturer's warranty covers such damage;
3. mechanical failure covered under product recall; or
4. fraud or abuse or illegal activity of any kind by the Card Member.
Purchases Not Covered
The following purchases are not covered:
1. products covered by an unconditional satisfaction guarantee;
2. animals or living plants;
3. consumable or perishable items with extended or limited life spans (including, but not limited to; food,
perfume, light bulbs, batteries);
4. motorized vehicles (including, but not limited to, passenger cars, trucks, motorcycles, boats, airplanes)
and their parts, subject to high risk, combustion, wear and tear or mileage stipulations (including, but not
limited to, batteries, carburetors, pipes, hoses, pistons, brakes, tires, mufflers);
5. motorized devices and their parts used for agriculture, landscaping, demolition or construction;
6. motorized devices and their parts which are permanent additions or fixtures to a residential or
commercial building unless the item can be removed without causing damage to the structure;
7. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters
and/or any item
that cannot be removed without causing damage to the structure;
8. land or buildings;
9. more than one article in a pair or set. Coverage will be limited to no more than the value of any particular
part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless
of any special value they may have had as part of a set or collection;
10. additional service contract or extended warranty coverage for a computer, computer component or part
that You buy which already comes with an original United States of America, Puerto Rico or the U.S.
Virgin Islands manufacturer’s and/or retailer’s warranty, unless such coverage is provided and
administered by the original manufacturer; and
11. items purchased for use as inventory, resale, professional, or commercial use (including but not limited
to professional education, training or skills, or to be used in professional competition).
IV. CLAIMS PROCESS
If You experience a Loss for which You believe a benefit is payable under this Plan, You must provide both
Notice of Claim and Proof of Loss.
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To insure prompt processing of Your claim, report any Loss immediately following the date of the Loss,
including for gifts purchased on your Account. Retain Your receipts and Your damaged property (if
applicable) until the claim process is complete.
We will decide whether to do one of the f ollowing: 1) have the product repaired; 2) have the product rep laced;
or 3) reimburse You up to the amount of the item purchased on Your Account.
Notice of Claim
During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of the
Loss. You may contact the Company by calling toll-free stateside 1-800-228-6855 or, if from overseas, by
calling collect 1-303-273-6498. You may also write to Us at Extended Warranty, PO Box 981553, El Paso
TX 79998-9920.
Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit
payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as
reasonably possible. At the time You provide Us with Notice of Claim, We will assist with completion of the
Proof of Loss by providing You with instructions and/or documents, which You may have to complete and
return to Us. You are required to cooperate with Us and provide documentation as requested by Us which
is required and necessary to process Your claim and determine if benefits are payable.
Our Plan matches the terms of and extends Your original manufacturer’s warranty. Therefore, Notice of
Claim requirements within your original manufacturer’s warranty may vary with respect to date of report
versus date of loss. Please review Your original manufacturer’s warranty for further details. No claim will be
denied based upon Your failure to provide notice within such specified time, unless this failure operates to
prejudice Our rights.
Proof of Loss
If required, a claim form will be sent to You after We receive notice of loss. Written proof of loss, which
includes the signed claim form and all other requested documentation, must be received within ninety (90)
days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim,
or Your claim may be denied. The proof of loss must be sent to: Extended Warranty Claims Unit, PO Box
981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not received within
ninety (90) days of Our request (except for documentation which has not been furnished for reasons beyond
Your control), coverage may be denied. It is the Your responsibility to provide all required documentation.
Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:
1. an Extended Warranty claim form;
2. the original itemized store receipt with applicable sales tax included;
3. a copy of the original manufacturer’s warranty and any additional retailer’s warranty and/or service
contract, if applicable; and
4. a repair estimate for the product by an authorized retailer that has been approved by the manufacturer
You may be required to send in the product to Us at Our expense for further evaluation of Your claim. If
requested, You must send in the product within sixty (60) days from the date of Our request to remain eligible
f o r coverag e.
Payment of Claims
A claim for benefits provided by this Plan will be paid within thirty (30) days upon Our receipt and review of
Your complete Proof of Loss documentation and Our determination that a claim is payable according to the
terms of the Plan.
Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge
Us to the extent of such payment.
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For items purchased under installment billing plans, We will pay the amount that has been billed up to the
date of Loss. Once the remaining balance has been paid or fulfilled by You, We will pay the remaining
balance to You.
V. GENERAL PROVISIONS
Assignment
This Policy may not be assigned and any purported assignment is void.
Change of Permanent Residence
You must notify Us as soon as reasonably possible if You change Your Permanent Address. If the change
is to a different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We
will any and all send notices or Plan related materials to Your last known address on file. If You fail to notify
Us of a change in Your Permanent Residence, You may not receive all notices and Plan related materials.
Clerical Error
A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue
insurance not validly in force.
Conformity with State and Federal Law
If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby
amended to comply with such law.
Entire Contract; Representation; Changes
This Policy and any applications, endorsements or riders make up the entire contract. Any statement You
make is a representation and not a warranty. This Policy may be changed at any time by written agreement
by the Company. Changes shall take effect as of the date a replacement Policy is issued or the date
otherwise communicated by the Company.
Fraud
If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means
or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited.
No coverage is provided if You, whether before or after a Loss, have:
1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is
material and is made with the intent to deceive; or
2. concealed or misrepresented any fact if the fact misrepresented contributes to the Loss.
We may be required to report suspicion of fraudulent activity and/or confirmed fraudulent activity to Your
residency state’s Department of Insurance.
Legal Actions
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss
documentation has been received by Us. No such action may be brought after three (3) years from the time
written Proof of Loss documentation is required to be given.
If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended
to meet the minimum time allowed by such law.
Right of Recovery
If We make a payment to You under this Plan and You recover an amount from another, equal to or less
than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent
of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We
have the right to recover from You any amount exceeding the maximum amount payable.
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Subrogation
In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all
Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure
and preserve such rights, including the execution of such documents necessary to enable Us to effectively
bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such
subrogation rights.
We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated
for damages by another party.
VI. TERMINATION OR CANCELLATION
Coverage will terminate automatically on the earliest of the following:
1. the date You no longer maintain a Permanent Residence in the 50 United States of America, the District
of Columbia, Puerto Rico or the U.S. Virgin Islands;
2. the date We notify You of our determination that Your enrollment or claims information contains a
misrepresentation or fraudulent statement or fails to disclose material information;
3. the date You terminate Your Account and are no longer a Card Member;
4. the date Your Account is cancelled by American Express; or
5. the date the Plan is not available in the location where You maintain a Permanent Residence.
The Company has the right to cancel this Policy or any endorsement or rider at any time by sending a
written notice at least sixty (60) days in advance to You at Your last known address. The notice will include
the reason for cancellation. You will be eligible to receive benefits if You fully activated coverage in
accordance with this Policy prior to the effective date of the Company’s cancellation.
Termination or cancellation of coverage will not prejudice any Notice of Claim submitted prior to termination
or cancellation, subject to all other terms of the Plan.
VII. IMPORTANT ADDITIONAL INFORMATION FOR YOU
The benefits described herein are subject to all of the terms, conditions, and exclusions of the Policy. This
Policy replaces any prior Policy which may have been issued to You. For any questions regarding the
benefits described in this Policy, please call 1-800-228-6855 or International Collect 1-303-273-6498, the
number listed on the back of Your card, or the number shown on Your card statement.
This Policy is an important document. Please read it and keep it in a safe place.
IN WITNESS WHEREOF, We have caused this Insurance Policy to be signed by Our officers:
Gregory M. Pond Mark W. Musser
President Secretary
AMEX Assurance Company AMEX Assurance Company
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EXTENDED WARRANTY
DESCRIPTION OF COVERAGE
Underwritten by AMEX Assurance Company
Administrative Office, 18850 N 56th St, AZ08-02-02, Phoenix, AZ 85054
For purchases charged to Your Account, Extended Warranty will extend the terms of the original manufacturer's
warranty on warranties of five (5) years or less that are eligible in the United States of America, or Puerto Rico or
the U.S. Virgin Islands, subject to exclusions and limitations described in this Description of Coverage. We will
match the length of the original warranty if the original manufacturer’s warranty is less than one (1) year, or we will
provide one (1) additional year if the original manufacturer’s warranty is between one (1) year and five (5) years. If
the original manufacturer’s warranty exceeds five (5) years, the product purchased is not eligible under this Plan
and no coverage applies.
INDEX
Definitions Section I
Description of Benefits Section II
Exclusions Section III
Claims Process Section IV
General Provisions Section V
Termination or Cancellation Section VI
Important Additional Information For You Section VII
I. DEFINITIONS
Certain words used in this Description of Coverage are capitalized throughout and have special meanings.
Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context
requires.
Account means Your American Express® Card Account on which the record of the charge for the item purchased
is made.
Card Member means a person who has been issued a United States of America based proprietary American
Express Card and who has a Permanent Residence in the 50 United States of America, or the District of Columbia,
or Puerto Rico or the U.S. Virgin Islands.
Company means AMEX Assurance Company.
Extended Warranty Period means a period of time equal to the length of the original manufacturer’s warranty
when the original warranty is less than one (1) year, or one (1) additional year if the original manufacturer’s
warranty is between one (1) year and five (5) years.
Loss means the product malfunction which necessitates the repair, replacement or reimbursement of any one
product, as covered by the terms of that product's original warranty, which is valid in the United States of America,
or Puerto Rico or the U.S. Virgin Islands when the purchase of the product, whether for Your use or as a gift, has
been charged to Your Account.
Master Policyholder means American Express Travel Related Services Company, Inc.
Membership Rewards® Points means credits obtained through the Membership Rewards program available
with most American Express Cards, which are earned when making certain purchases with such cards. In some
cases, participating Card Members receive a redemption certificate in order to use their Membership Rewards
points.
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Pay with Points is a process that may be available to an individual who accrues American Express Membership
Rewards Points and then uses the Membership Rewards Points to pay for an item by converting them to statement
credits to off-set some or all of the expense of that item reflected on the individual’s Account statement.
Permanent Residence means the one primary dwelling place where the Card Member resides and to which he/she
intend to return and, if necessary, can be evidenced by a current and active official form of Identification, examples
include, but are not limited to: State issued Identification Card, Driver License, and Voter Identification Card
Plan means the Policy and the benefits described therein.
Policy means the Group Insurance Master Policy (EW-MP 09/17) issued by the Company to American Express
Travel Related Services Company, Inc.
We, Us and Our means the Company.
You and Your means the Card Member.
II. DESCRIPTION OF BENEFITS
What is Covered
We will pay Your Loss up to the actual amount charged to Your Account (including applicable sales tax) for
the item for which a Loss is claimed, but not to exceed the original cost of the item or $10,000, whichever is
less. If you incur multiple Losses for the same item, the aggregate payments too shall not exceed the lesser
of the original cost of the item or $10,000, whichever is less.
Only valid and reasonable repairs up to the purchase amount of the item made at a manufacturer and/or
retailer’s authorized repair facility are covered.
If You experience more than one Loss in a calendar year, We will pay an amount not to exceed $50,000 for
all Losses per Card Member Account in each calendar year. Our benefit payment will not include any product
rebates, discounts or money received from the lowest price comparison programs that reduced the original
cost of the item.
For Accounts enrolled in the Membership Rewards Points and/or Pay with Points program(s), an item is
eligible for coverage under this Plan if it was purchased through the redemption of Membership Rewards
Points and/or Pay with Points. Our benefit payment will not exceed the amount of the Membership Reward
Points and/or Pay with Points You redeemed to purchase the item. Benefits will not be paid when redemption
of Membership Rewards Points and/or Pay with Points have been transferred to a non-eligible card account
or non-Card Members.
Our benefit payment will not include payment of expenses or fees related to shipping and handling,
professional advice, maintenance or other service charges related to the repair, replacement or
reimbursement of Your product.
Length of Coverage
Where a Loss has occurred during the Extended Warranty Period, We will provide a benefit equal to the
coverage of the original manufacturer's warranty on warranties of up to five (5) years.
If the item is also covered by a purchased service contract, the Extended Warranty Period begins at the end
of the purchased service contract and extends the original manufacturer’s warranty for a period of time equal
to the warranty, up to one (1) additional year.
If the combined coverage of the original manufacturer’s warranty and the purchased service contract exceed
five (5) years, the item purchased is not eligible for benefits under this Plan.
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If the Card Member is notified that a warranty has ended for any reason (including, but not limited to,
bankruptcy of the manufacturer or other responsible party), this Plan will continue to provide coverage, not
to exceed the original manufacturer’s warranty up to one (1) year from the date the Card Member is notified
of such event. The Card Member may be asked to provide proof of notification in the form of a public
announcement or other official documentation.
Only a Card Member has a legal and equitable right to any insurance benefit that may be available under
this Plan.
III. EXCLUSIONS
General Exclusions
Benef its are not payable if the Loss for which coverage is sought was directly or indirectly, wholly or partially,
contributed to or caused by:
1. war or acts of war (whether declared or undeclared), participation in a felony, riot, civil disturbance,
protest or insurrections, service in the armed forces or units auxiliary to it;
2. any physical damage, including, but not limited to, damage as a direct result of natural disaster or a
power surge, except to the extent the original manufacturer's warranty covers such damage;
3. mechanical failure covered under product recall; or
4. fraud or abuse or illegal activity of any kind by the Card Member.
Purchases Not Covered
The following purchases are not covered:
1. products covered by an unconditional satisfaction guarantee;
2. animals or living plants;
3. consumable or perishable items with extended or limited life spans (including, but not limited to; food,
perfume, light bulbs, batteries);
4. motorized vehicles (including, but not limited to, passenger cars, trucks, motorcycles, boats, airplanes)
and their parts, subject to high risk, combustion, wear and tear or mileage stipulations (including, but not
limited to, batteries, carburetors, pipes, hoses, pistons, brakes, tires, mufflers);
5. motorized devices and their parts used for agriculture, landscaping, demolition or construction;
6. motorized devices and their parts which are permanent additions or fixtures to a residential or
commercial building unless the item can be removed without causing damage to the structure;
7. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters
and/or any item
that cannot be removed without causing damage to the structure;
8. land or buildings;
9. more than one article in a pair or set. Coverage will be limited to no more than the value of any particular
part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless
of any special value they may have had as part of a set or collection;
10. additional service contract or extended warranty coverage for a computer, computer component or part
that You buy which already comes with an original United States of America, or Puerto Rico or the U.S.
Virgin Islands manufacturer’s and/or retailer’s warranty, unless such coverage is provided and
administered by the original manufacturer; and
11. items purchased for use as inventory, resale, professional, or commercial use (including but not limited
to professional education, training or skills, or to be used in professional competition).
IV. CLAIMS PROCESS
If You experience a Loss for which You believe a benefit is payable under this Plan, You must provide both
Notice of Claim and Proof of Loss.
To insure prompt processing of Your claim, report any Loss immediately following the date of the Loss,
including for gifts purchased on your Account. Retain Your receipts and Your damaged property (if
applicable) until the claim process is complete.
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We will decide whether to do one of the following: 1) have the product repaired; 2) have the product replaced;
or 3) reimburse You up to the amount of the item purchased on Your Account.
Notice of Claim
During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of the
Loss. You may contact the Company by calling toll-free stateside 1-800-228-6855 or, if from overseas, by
calling collect 1-303-273-6498. You may also write to Us at Extended Warranty, PO Box 981553, El Paso
TX 79998-9920.
Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit
payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as
reasonably possible. At the time You provide Us with Notice of Claim, We will assist with completion of the
Proof of Loss by providing You with instructions and/or documents, which You may have to complete and
return to Us. You are required to cooperate with Us and provide documentation as requested by Us which
is required and necessary to process Your claim and determine if benefits are payable.
Our Plan matches the terms of and extends Your original manufacturer’s warranty. Therefore, Notice of
Claim requirements within your original manufacturer’s warranty may vary with respect to date of report
versus date of loss. Please review Your original manufacturer’s warranty for further details. No claim will be
denied based upon Your failure to provide notice within such specified time, unless this failure operates to
prejudice Our rights.
Proof of Loss
If required, a claim form will be sent to You after We receive notice of loss. Written proof of loss, which
includes the signed claim form and all other requested documentation, must be received within sixty (60)
days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim,
or Your claim may be denied. The proof of loss must be sent to: Extended Warranty Claims Unit, PO Box
981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not received within
sixty (60) days of Our request (except for documentation which has not been furnished for reasons beyond
Your control), coverage may be denied. It is the Your responsibility to provide all required documentation.
Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:
1. an Extended Warranty claim form;
2. the original itemized store receipt with applicable sales tax included;
3. a copy of the original manufacturer’s warranty and any additional retailer’s warranty and/or service
contract, if applicable; and
4. a repair estimate for the product by an authorized retailer that has been approved by the manufacturer
You may be required to send in the product to Us at Our expense for further evaluation of Your claim. If
requested, You must send in the product within sixty (60) days from the date of Our request to remain eligible
f o r coverag e.
Payment of Claims
A claim for benefits provided by this Plan will be paid within thirty (30) days upon Our receipt and review of
Your complete Proof of Loss documentation and Our determination that a claim is payable according to the
terms of the Plan.
Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge
Us to the extent of such payment.
For items purchased under installment billing plans, We will pay the amount that has been billed up to the
date of Loss. Once the remaining balance has been paid or fulfilled by You, We will pay the remaining
balance to You.
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V. GENERAL PROVISIONS
Change of Permanent Residence
You must notify Us as soon as reasonably possible if You change Your Permanent Address. If the change
is to a different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We
will send any and all notices or Plan related materials to Your last known address on file. If You fail to notify
Us of a change in Your Permanent Residence, You may not receive all notices and Plan related materials.
Clerical Error
A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue
insurance not validly in force.
Conformity with State and Federal Law
If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby
amended to comply with such law.
Entire Contract; Representation; Changes
This Description of Coverage, the Policy, the declarations page, and any applications, endorsements or
riders make up the entire contract. Any statement You make is a representation and not a warranty. This
Description of Coverage may be changed at any time by written agreement between the Master Policyholder
and the Company upon approval by the Department of Insurance. Changes shall take effect as of the date
a replacement Description of Coverage, if any, is issued or the date otherwise agreed upon by the Master
Policyholder and the Company. A copy of the Policy will be maintained and kept by the Master Policyholder
and may be examined at any reasonable time upon reasonable notice.
Fraud
If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means
or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited.
No coverage is provided if You, whether before or after a Loss, have:
1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is
material and is made with the intent to deceive; or
2. concealed or misrepresented any fact if the fact misrepresented contributes to the Loss.
We may be required to report suspicion of fraudulent activity and/or confirmed fraudulent activity to Your
residency state’s Department of Insurance.
Legal Actions
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss
documentation has been received by Us. No such action may be brought after three (3) years from the time
written Proof of Loss documentation is required to be given.
If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended
to meet the minimum time allowed by such law.
Right of Recovery
If We make a payment to You under this Plan and You recover an amount from another, equal to or less
than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent
of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We
have the right to recover from You any amount exceeding the maximum amount payable.
Subrogation
In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all
Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure
and preserve such rights, including the execution of such documents necessary to enable Us to effectively
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bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such
subrogation rights.
We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated
for damages by another party.
VI. TERMINATION OR CANCELLATION
Coverage will terminate automatically on the earliest of the following:
1. the date You no longer maintain a Permanent Residence in the 50 United States of America, or the
District of Columbia, or Puerto Rico or the U.S. Virgin Islands;
2. the date We notify You of our determination that Your enrollment or claims information contains a
misrepresentation or fraudulent statement or fails to disclose material information;
3. the date You terminate Your Account and are no longer a Card Member;
4. the date Your Account is cancelled by American Express; or
5. the date the Plan is not available in the location where You maintain a Permanent Residence.
The Company has the right to cancel this Description of Coverage at any time by sending a written notice at
least sixty (60) days in advance to You at Your last known address. The notice will include the reason for
cancellation. You will be eligible to receive benefits if the item purchased is made on Your Account prior to
the effective date of the Company’s cancellation.
Termination or cancellation of coverage will not prejudice any Notice of Claim submitted prior to termination
or cancellation, subject to all other terms of the Plan.
VII. IMPORTANT ADDITIONAL INFORMATION FOR YOU
The benefits described herein are subject to all of the terms, conditions, and exclusions of the Policy. This
Description of Coverage replaces any prior Description of Coverage which may have been furnished in
connection with the Policy. For any questions regarding the benefits described in this Description of
Coverage, please call 1-800-228-6855 or International Collect 1-303-273-6498, the number listed on the
back of Your card, or the number shown on Your card statement.
This Description of Coverage is an important document. Please read it and keep it in a safe place.
IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers:
Gregory M. Pond Mark W. Musser
President Secretary
AMEX Assurance Company AMEX Assurance Company
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AMENDATORY ENDORSEMENT
To be attached to and made a part of the Description of Coverage/Policy.
THIS ENDORSEMENT CHANGES YOUR DESCRIPTION OF COVERAGE/POLICY. PLEASE
READ IT
CAREFULLY.
Applicable to Residents of Puerto Rico
1. The Policy definition is replaced by the following:
Policy means the Group Insurance Master Policy (AX0951-PR, AX0951-VI, AX0953-PR or AX0953-VI)
issued by the Company to American Express Travel Related Services Company, Inc.
2. The paragraph on Company Cancellation is hereby replaced by the following:
The Company can cancel this Description of Coverage or any endorsement or rider at any time for any
reason including but not necessarily limited to:
a. non-Payment of premium by the Master Policyholder; or
b. a Company decision to stop underwriting this kind of insurance.
The Card Member has the right to know and/or request the grounds on which this Description of Coverage
is cancelled. To that effect, the Company must provide sixty (60) days written notice, actually delivered or
mailed by certified mail, prior to the date cancellation is effective, indicating in such notice the reason for
cancellation. You will be eligible to receive benefits if You fully activated coverage in accordance with this
Description of Coverage prior to the effective date of the Company’s cancellation. If the Company cancels,
the Master Policyholder must assist the Company in notifying Card Members of the date their insurance is
cancelled.
ALL OTHER TERMS AND CONDITIONS OF THE DESCRIPTION OF COVERAGE/POLICY
REMAIN
UNCHANGED.
Gregory M. Pond Mark W. Musser
President Secretary
AMEX Assurance Company AMEX Assurance Company
EWPP-END1-PR 09/17
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EXTENDED WARRANTY
DESCRIPTION OF COVERAGE
Underwritten by AMEX Assurance Company
Administrative Office, 18850 N 56th St, AZ08-02-02, Phoenix, AZ 85054
The Group Insurance Master Policy (AX0953) is issued to American Express Travel Related Services Company,
Inc., the Policyholder. This Policy is issued in and governed by the laws of Wisconsin. Coverage is provided to
You subject to all exclusions and provisions of the Policy.
For purchases charged to Your Account, Extended Warranty will extend the terms of the original manufacturer's
warranty on warranties of five (5) years or less that are eligible in the United States of America, or Puerto Rico or
the U.S. Virgin Islands, subject to exclusions and limitations described in this Description of Coverage. We will
match the length of the original warranty if the original manufacturer’s warranty is less than two (2) years, or we will
provide two (2) additional years if the original manufacturer’s warranty is between two (2) years and five (5) years.
If the original manufacturer’s warranty exceeds five (5) years, the product purchased is not eligible under this Plan
and no coverage applies.
INDEX
Definitions Section I
Description of Benefits Section II
Exclusions Section III
Claims Process Section IV
General Provisions Section V
Termination or Cancellation Section VI
Important Additional Information For You Section VII
I. DEFINITIONS
Certain words used in this Description of Coverage are capitalized throughout and have special meanings.
Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context
requires.
Account means Your American Express® Card Account on which the record of the charge for the item purchased
is made.
Card Member means a person who has been issued a United States of America based proprietary American
Express Card and who has a Permanent Residence in the 50 United States of America, or the District of Columbia,
or Puerto Rico or the U.S. Virgin Islands.
Company means AMEX Assurance Company.
Extended Warranty Period means a period of time equal to the length of the original manufacturer’s warranty
when the original warranty is less than two (2) years, or two (2) additional years if the original manufacturer’s
warranty is between two (2) years and five (5) years.
Loss means the product malfunction which necessitates the repair, replacement or reimbursement of any one
product, as covered by the terms of that product's original warranty, which is valid in the United States of America,
or Puerto Rico or the U.S. Virgin Islands when the purchase of the product, whether for Your use or as a gift, has
been charged to Your Account.
Master Policyholder means American Express Travel Related Services Company, Inc.
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Membership Rewards® Points means credits obtained through the Membership Rewards program available with
most American Express Cards, which are earned when making certain purchases with such cards. In some cases,
participating Card Members receive a redemption certificate in order to use their Membership Rewards points.
Pay with Points is a process that may be available to an individual who accrues American Express Membership
Rewards Points and then uses the Membership Rewards Points to pay for an item by converting them to statement
credits to off-set some or all of the expense of that item reflected on the individual’s Account statement.
Permanent Residence means the one primary dwelling place where the Card Member resides and to which he/she
intend to return and, if necessary, can be evidenced by a current and active official form of Identification, examples
include, but are not limited to: State issued Identification Card, Driver License, and Voter Identification Card
Plan means the Policy and the benefits described therein.
Policy means the Group Insurance Master Policy (AX0953) issued by the Company to American Express Travel
Related Services Company, Inc.
We, Us and Our means the Company.
You and Your means the Card Member.
II. DESCRIPTION OF BENEFITS
What is Covered
We will pay Your Loss up to the actual amount charged to Your Account (including applicable sales tax) for
the item for which a Loss is claimed, but not to exceed the original cost of the item or $10,000, whichever is
less. If you incur multiple Losses for the same item, the aggregate payments too shall not exceed the lesser
of the original cost of the item or $10,000, whichever is less.
Only valid and reasonable repairs up to the purchase amount of the item made at a manufacturer and/or
retailer’s authorized repair facility are covered.
If You experience more than one Loss in a calendar year, We will pay an amount not to exceed $50,000 for
all Losses per Card Member Account in each calendar year. Our benefit payment will not include any product
rebates, discounts or money received from the lowest price comparison programs that reduced the original
cost of the item.
For Accounts enrolled in the Membership Rewards Points and/or Pay with Points program(s), an item is
eligible for coverage under this Plan if it was purchased through the redemption of Membership Rewards
Points and/or Pay with Points. Our benefit payment will not exceed the amount of the Membership Reward
Points and/or Pay with Points You redeemed to purchase the item. Benefits will not be paid when redemption
of Membership Rewards Points and/or Pay with Points have been transferred to a non-eligible card account
or non-Card Members.
Our benefit payment will not include payment of expenses or fees related to shipping and handling,
installation, assembly, professional advice, maintenance or other service charges related to the repair,
replacement or reimbursement of Your product.
Length of Coverage
Where a Loss has occurred during the Extended Warranty Period, We will provide a benefit equal to the
coverage of the original manufacturer's warranty on warranties of up to five (5) years.
If the item is also covered by a purchased service contract, the Extended Warranty Period begins at the end
of the purchased service contract and extends the original manufacturer’s warranty for a period of time equal
to the warranty, up to two (2) additional years.
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If the combined coverage of the original manufacturer’s warranty and the purchased service contract exceed
five (5) years, the item purchased is not eligible for benefits under this Plan.
If the Card Member is notified that a warranty has ended for any reason (including, but not limited to,
bankruptcy of the manufacturer or other responsible party), this Plan will continue to provide coverage, not
to exceed the original manufacturer’s warranty up to two (2) years from the date the Card Member is notified
of such event. The Card Member may be asked to provide proof of notification in the form of a public
announcement or other official documentation.
Only a Card Member has a legal and equitable right to any insurance benefit that may be available under
this Plan.
III. EXCLUSIONS
General Exclusions
Benefits are not payable if the Loss for which coverage is sought was directly or wholly caused by:
1. war or acts of war (whether declared or undeclared), participation in a felony, riot, civil disturbance,
protest or insurrections, service in the armed forces or units auxiliary to it;
2. any physical damage, including, but not limited to, damage as a direct result of natural disaster or a
power surge, except to the extent the original manufacturer's warranty covers such damage;
3. mechanical failure covered under product recall; or
4. fraud or abuse or illegal activity of any kind by the Card Member.
Purchases Not Covered
The following purchases are not covered:
1. products covered by an unconditional satisfaction guarantee;
2. animals or living plants;
3. consumable or perishable items with extended or limited life spans (including, but not limited to; food,
perfume, light bulbs, batteries);
4. motorized vehicles (including, but not limited to, passenger cars, trucks, motorcycles, boats, airplanes)
and their parts, subject to high risk, combustion, wear and tear or mileage stipulations (including, but not
limited to, batteries, carburetors, pipes, hoses, pistons, brakes, tires, mufflers);
5. motorized devices and their parts used for agriculture, landscaping, demolition or construction;
6. motorized devices and their parts which are permanent additions or fixtures to a residential or
commercial building unless the item can be removed without causing damage to the structure;
7. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters
and/or any item
that cannot be removed without causing damage to the structure;
8. land or buildings;
9. more than one article in a pair or set. Coverage will be limited to no more than the value of any particular
part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless
of any special value they may have had as part of a set or collection;
10. additional service contract or extended warranty coverage for a computer, computer component or part
that You buy which already comes with an original United States of America, or Puerto Rico or the U.S.
Virgin Islands manufacturer’s and/or retailer’s warranty, unless such coverage is provided and
administered by the original manufacturer; and
11. items purchased for use as inventory, resale, professional, or commercial use (including but not limited
to professional education, training or skills, or to be used in professional competition).
IV. CLAIMS PROCESS
If You experience a Loss for which You believe a benefit is payable under this Plan, You must provide both
Notice of Claim and Proof of Loss.
To insure prompt processing of Your claim, report any Loss immediately following the date of the Loss,
including for gifts purchased on your Account. Retain Your receipts and Your damaged property (if
applicable) until the claim process is complete.
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We will decide whether to do one of the f ollowing: 1) have the product repaired; 2) have the product replaced;
or 3) reimburse You up to the amount of the item purchased on Your Account.
Notice of Claim
During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of the
Loss. You may contact the Company by calling toll-free stateside 1-800-228-6855 or, if from overseas, by
calling collect 1-303-273-6498. You may also write to Us at Extended Warranty, PO Box 981553, El Paso
TX 79998-9920.
Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit
payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as
reasonably possible. At the time You provide Us with Notice of Claim, We will assist with completion of the
Proof of Loss by providing You with instructions and/or documents, which You may have to complete and
return to Us. You are required to cooperate with Us and provide documentation as requested by Us which
is required and necessary to process Your claim and determine if benefits are payable.
Our Plan matches the terms of and extends Your original manufacturer’s warranty. Therefore, Notice of
Claim requirements within your original manufacturer’s warranty may vary with respect to date of report
versus date of loss. Please review Your original manufacturer’s warranty for further details. No claim will be
denied based upon Your failure to provide notice within such specified time, unless this failure operates to
prejudice Our rights.
Proof of Loss
If required, a claim form will be sent to You after We receive notice of loss. Written proof of loss, which
includes the signed claim form and all other requested documentation, must be received within sixty (60)
days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim,
or Your claim may be denied. The proof of loss must be sent to: Extended Warranty Claims Unit, PO Box
981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not received within
sixty (60) days of Our request (except for documentation which has not been furnished for reasons beyond
Your control), coverage may be denied. It is the Your responsibility to provide all required documentation.
Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:
1. an Extended Warranty claim form;
2. the original itemized store receipt with applicable sales tax included;
3. a copy of the original manufacturer’s warranty and any additional retailer’s warranty and/or service
contract, if applicable; and
4. a repair estimate for the product by an authorized retailer that has been approved by the manufacturer
You may be required to send in the product to Us at Our expense for further evaluation of Your claim. If
requested, You must send in the product within sixty (60) days from the date of Our request to remain eligible
f o r coverag e.
Payment of Claims
A claim for benefits provided by this Plan will be paid within thirty (30) days upon Our receipt and review of
Your complete Proof of Loss documentation and Our determination that a claim is payable according to the
terms of the Plan.
Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge
Us to the extent of such payment.
For items purchased under installment billing plans, We will pay the amount that has been billed up to the
date of Loss. Once the remaining balance has been paid or fulfilled by You, We will pay the remaining
balance to You.
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V. GENERAL PROVISIONS
Change of Permanent Residence
You must notify Us as soon as reasonably possible if You change Your Permanent Address. If the change
is to a different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We
will any and all send notices or Plan related materials to Your last known address on file. If You fail to notify
Us of a change in Your Permanent Residence, You may not receive all notices and Plan related materials.
Clerical Error
A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue
insurance not validly in force.
Conformity with State and Federal Law
If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby
amended to comply with such law.
Entire Contract; Representation; Changes
This Description of Coverage and any endorsements or riders make up the entire contract. Any statement
You make is a representation and not a warranty. This Description of Coverage may be changed at any time
by written agreement between the Master Policyholder and the Company. Changes shall take effect as of
the date a replacement Description of Coverage, if any, is issued or the date otherwise agreed upon by the
Master Policyholder and the Company. A copy of the Policy will be maintained and kept by the Master
Policyholder and may be examined at any reasonable time upon reasonable notice.
Fraud
If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means
or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited.
No coverage is provided if You, whether before or after a Loss, have:
1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is
material and is made with the intent to deceive; or
2. intentionally concealed or misrepresented any fact if the fact misrepresented contributes to the Loss.
We may be required to report suspicion of fraudulent activity and/or confirmed fraudulent activity to Your
residency state’s Department of Insurance.
Legal Actions
No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss
documentation has been received by Us. No such action may be brought after three (3) years from the time
written Proof of Loss documentation is required to be given.
If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended
to meet the minimum time allowed by such law.
Right of Recovery
If We make a payment to You under this Plan and You recover an amount from another, equal to or less
than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent
of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We
have the right to recover from You any amount exceeding the maximum amount payable, only after You
have been fully compensated for the loss sustained.
Subrogation
In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all
Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure
and preserve such rights, including the execution of such documents necessary to enable Us to effectively
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bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such
subrogation rights.
We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated
for damages by another party.
VI. TERMINATION OR CANCELLATION
Coverage will terminate automatically on the earliest of the following:
1. the date You no longer maintain a Permanent Residence in the 50 United States of America, or the
District of Columbia, or Puerto Rico or the U.S. Virgin Islands;
2. the date We notify You of our determination that Your enrollment or claims information contains an
intentional misrepresentation or intentional fraudulent statement or intentionally fails to disclose material
information;
3. the date You terminate Your Account and are no longer a Card Member;
4. the date Your Account is cancelled by American Express; or
5. the date the Plan is not available in the location where You maintain a Permanent Residence.
The Company has the right to cancel this Description of Coverage at any time by sending a written notice at
least sixty (60) days in advance to You at Your last known address. The notice will include the reason for
cancellation. You will be eligible to receive benefits if the item purchased is made on Your Account prior to
the effective date of the Company’s cancellation.
Termination or cancellation of coverage will not prejudice any Notice of Claim submitted prior to termination
or cancellation, subject to all other terms of the Plan.
VII. IMPORTANT ADDITIONAL INFORMATION FOR YOU
The benefits described herein are subject to all of the terms, conditions, and exclusions of the Description
of Coverage issued to Card Members whose Permanent Residence is Washington. This Description of
Coverage replaces any prior Description of Coverage which may have been furnished in connection with the
Policy. For any questions regarding the benefits described in this Description of Coverage, please call 1-
800-228-6855 or International Collect 1-303-273-6498, the number listed on the back of Your card, or the
number shown on Your card statement.
This Description of Coverage is an important document. Please read it and keep it in a safe place.
IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers:
Gregory M. Pond Mark W. Musser
President Secretary
AMEX Assurance Company AMEX Assurance Company
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Extended Warranty Plan Documents 112020 (American Express)

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Completed 14 June 2021

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