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
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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.
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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.
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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;
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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.
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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.
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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.
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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.
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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.
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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 manufacturers 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 individuals 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 manufacturers 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 individuals 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 manufacturers 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 manufacturers 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.
26 of 72
All States (except below), District of Columbia, and U.S. Virgin Islands
314-330
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