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Purchase Protection Plan Documents

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Purchase Protection
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 - 8
10/1/2020
Contents
New York State ................................................................................................. 2 - 8
Applicable to Purchases made between:
1/1/2020 and 9/30/2020
Contents
New York State ................................................................................................. 9 - 15
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 1/1/2020 please refer to your Additional Card
Benefits document delivered with your American Express Card.
1 | Page 316-404
Rev. 10/01/2020
Purchase Protection
Benefit Guide
This Benefit Guide describes the Purchase Protection benefits. Information in this Benefit Guide
replaces any Purchase Protection 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.
Sometimes your favorite new purchase gets stolen, accidentally damaged, or lost. But when you use
your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days
from the Covered Purchase date.
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 issued 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 | Page 316-404
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 a Purchase Protection Covered Event during the
Purchase Protection 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.
Benefits also includes a per occurrence maximum for any one Purchase Protection Covered
Event related to a Natural Disaster as described below.
Purchase Protection
Covered Period
Per Item
Calendar Year
Natural Disaster
Up to 90 days from the
date of the Covered
Purchase
Up to $10,000 per
Covered Purchase
Up to $50,000 per
Eligible Card
Up to $500 per
Purchase Protection
Covered Event
What is a Purchase Protection Covered Event?
A Covered Event which results in damage to, losing or theft of a Covered Purchase.
All States, District of Columbia, and U.S. Territories
3 | Page 316-404
Rev. 10/01/2020
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 Purchase Protection and is 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;
B. confiscation by any government authority, public authority or customs authority of a
Covered Purchase;
C. the Eligible Beneficiary’s participation in a felony, riot, civil disturbance, protest or
insurrections;
D. damage to, losing or theft while property is under the temporary care and control of a third
party other than the Eligible Beneficiary, including a common carrier;
E. an item not being reasonably safeguarded, for example, leaving it in an unlocked vehicle
or at an unoccupied site;
F. theft of, or from, baggage not carried by an Eligible Beneficiary or under the control of
an Eligible Beneficiary or a traveling companion known by the Eligible Beneficiary;
G. normal wear and tear, or a defect in the product;
H. damage to an item purchased for play (i.e. sports and recreational equipment, remote
control items other than drones); or
I. fraud, dishonesty, or criminal acts or omissions, committed by the Eligible Beneficiary’s
partners, members, officers, managers, employees (including leased or temporary
employees), directors, trustees, or authorized representatives.
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;
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;
All States, District of Columbia, and U.S. Territories
4 | Page 316-404
Rev. 10/01/2020
NO COVERAGE IS PROVIDED FOR: (CONTINUED)
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);
16. medical or dental devices or equipment; or
17. 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; and
3. any legal defense costs or expenses.
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.
All States, District of Columbia, and U.S. Territories
5 | Page 316-404
Rev. 10/01/2020
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 any insurance declaration pages or agreement (e.g. homeowner’s or renter’s
insurance policies, purchase service contracts);
3. a photograph of and/or completed repair estimate form; and
4. for theft and vandalism claims –
a. written report of the theft filed with the appropriate authority; and
b. such report should be filed prior to providing Notice of Claim.
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.
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 Purchase Protection benefits may not be assigned and any implied assignment is
void.
All States, District of Columbia, and U.S. Territories
6 | Page 316-404
Rev. 10/01/2020
Additional Terms (Continued)
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
Purchase Protection 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.
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 Purchase Protection benefits may be
cancelled due to alleged criminal activity, deceit, fraud, material misrepresentation,
excessive or abusive Claims.
E. Effective Date
Your Purchase Protection 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 Purchase Protection 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. Other Insurance or Agreement
Purchase Protection is intended to Pay only for amounts not covered by any other
insurance or agreement including reimbursement by a retailer, wholesaler or
manufacturer. We will, however, Pay applicable deductible(s) of other available coverage
where doing so does not result in an over-payment of the overall Claim.
All States, District of Columbia, and U.S. Territories
7 | Page 316-404
Rev. 10/01/2020
Additional Terms (Continued)
Does this mean it is secondary coverage?
Yes, it is secondary to any other coverage which may be available to You. Examples of
coverage to which We are secondary would be any homeowner’s or renter’s insurance
and/or retailer’s or wholesaler’s or manufacturer’s purchase service contracts generally
offered at the point of sale.
G. 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.
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
New York State
PP-DOC 09/17 1 316-404
PURCHASE PROTECTION
DESCRIPTION OF COVERAGE
Underwritten by AMEX Assurance Company
Administrative Office, 18850 N 56th St, AZ08-02-02, Phoenix, AZ 85054
Purchase Protection provides coverage for Your purchases for ninety (90) days from the date of purchase when
You charge any portion of the cost of the purchased item to Your Account. You will be reimbursed only for the
amount charged to Your Account. The coverage provided under this Plan is secondary coverage to any other valid
and collectible insurance or other sources of indemnity.
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.
Covered Incident means the loss or theft of, or damage, whether by accident or vandalism, to any one item of
property purchased worldwide as a gift or for personal or business use and charged to Your Account.
Company means AMEX Assurance Company.
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.
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.
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.
New York State
PP-DOC 09/17 2 316-404
Plan means the Policy and the benefits described therein.
Policy means the Group Insurance Master Policy (AX0951) 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
The Plan will pay a benefit for an item up to $10,000 for any one Covered Incident and up to $50,000 for all
Covered Incidents per Card Member Account during a calendar year for:
1. The lesser of:
a. the cost to repair the item;
b. the cost to replace the item; or
c. reimbursement for the item.
2. A Covered Incident related to Natural Disaster will have a maximum per occurrence limit of $500 for any
one Covered Incident.
For Accounts eligible and 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 or any product rebates,
discounts or money received from lowest price comparison programs that reduced the original cost of the
item. Our benefit payment will not exceed the amount charged to Your Account (including applicable sales
tax). Repair must be performed by an authorized repair facility or other professional repair facility, as outlined
in the manufacturer’s warranty.
Length of Coverage
Purchase Protection provides benefits, for ninety (90) days from the date of purchase, if a Covered Incident
occurs with respect to the item You purchased and charged to Your Account.
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 Covered Incident 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 activity directly related to and occurring while in the service of any armed military force of any nation
state recognized by the United Nations;
3. violation of a criminal law, offense or infraction;
4. fraud or abuse or illegal activity of any kind by the Card Member;
New York State
PP-DOC 09/17 3 316-404
5. confiscation by any governmental authority, public authority, or customs official;
6. damage or theft while under the care and control of any third party in whose possession the item
purchased by a Card Member has been temporarily placed;
7. item not being reasonably safeguarded;
8. theft from baggage not carried by hand and under Your personal supervision or under the supervision
of a traveling companion known by You;
9. damage through alteration (including but not limited to cutting, sawing and shaping);
10. normal wear and tear of any kind, inherent product defect or manufacturer’s defects or damage to an
item purchased for play and while the item was being used for its intended purposes (including but not
limited to sports equipment, items used for or during recreation, and motorized remote control items);
11. damage or theft while under the care and control of a common carrier (including but not limited to
transportation services, postal services, delivery services for hire);
12. leaving the purchased item at an unoccupied (i.e., absence of people from premises that is not a liveable
or useable space) construction site; or
13. fraudulent, dishonest, or criminal acts or omissions, committed by your partners, members, officers,
managers, employees (including leased or temporary employees), directors, trustees, or authorized
representatives.
Purchases Not Covered
The following purchases are not covered:
1. consumable or perishable items with extended or limited life spans (including, but not limited to: food,
perfume, light bulbs, batteries);
2. lost, stolen or damaged items consisting of articles 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;
3. travelers checks, tickets of any kind, negotiable instruments (including but not limited to gift certificates,
gift cards and gift checks), cash or its equivalent, rare stamps or coins;
4. animals or living plants;
5. one-of-a-kind, antique or previously owned and used items. Items refurbished by the manufacturer are
not considered previously owned or used;
6. motorized vehicles, scooters, golf carts, watercraft, aircraft, motorcycles or their motors, equipment,
parts or accessories, or trailers and other items that can be towed by or attached to any motorized
vehicle;
7. items rented, leased or borrowed for which You will be held responsible;
8. permanent household fixtures unless they can be removed without causing damage to the structure;
9. 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);
10. 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; and
11. hospital, medical and dental equipment and devices (including but not limited to blood pressure
device/equipment, blood glucose monitoring devices, and dental retainers).
IV. CLAIMS PROCESS
If You experience a Covered Incident 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, theft or damage immediately following the date
of the Covered Incident, including for gifts purchased on Your Account. Retain Your receipts and Your
damaged item (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.
New York State
PP-DOC 09/17 4 316-404
Notice of Claim
Notice of Claim should be provided to Us within thirty (30) days of the Covered Incident. 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 Purchase Protection Claims Unit, 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 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. 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: Purchase Protection 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 the 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. a Purchase Protection claim form;
2. the original itemized store receipt with applicable sales tax included;
3. the insurance declaration forms for Your other sources of primary insurance policies or indemnity (e.g.,
homeowner's or renter's insurance policies);
4. a photograph of and/or repair estimate for the damaged item by an authorized repair facility or other
professional repair facility as outlined in the manufacturer’s warranty; and
5. for theft and vandalism claims, a report regarding the stolen or vandalized item that has been filed with
the appropriate authority. You must file such report before You call to file a claim under Purchase
Protection.
You may be required to send in the damaged item to Us at Our expense for further evaluation of Your claim.
If requested, You must send in the damaged item within sixty (60) days from the date of Our request to
remain eligible for coverage.
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 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 Covered Incident. Once the remaining balance has been paid or fulfilled by You, We will pay the
remaining balance to You.
New York State
PP-DOC 09/17 5 316-404
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; Change
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 Covered Incident, 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 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.
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 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.
Secondary Coverage
This Plan is secondary to all other valid and collectible insurance or other sources of indemnity and shall
apply only when such other benefits are exhausted. We will pay only that portion of Covered Incident benefit
New York State
PP-DOC 09/17 6 316-404
which is not reimbursed by other collectible insurance or other sources of indemnity, up to Our limits, as
provided under the Description of Benefits section.
When a Card Member has Coverage under similar products underwritten by AMEX Assurance
Company
A Card Member may be covered for similar benefits under different products underwritten by AMEX
Assurance Company. If the products state that the similar benefits are either primary or that the benefits are
excess, the product with the lower level of benefits will pay first and the other product(s) will provide excess
coverage.
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 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.
New York State
PP-DOC 09/17 7 316-404
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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Completed 27 November 2020

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