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The Buyer's Assurance Plan
Benefit Details
Please be advised that this document serves only as a description of benefit details and is not a policy or
contract of insurance; the actual terms, conditions and exclusions of Policy AX0953 govern the Buyer’s
Assurance Plan.
How The Buyer's Assurance Plan Works...
When a Cardmember charges the entire cost of a covered product with his or her Card account[1] the Buyer's
Assurance Plan will extend the terms of the original manufacturer's warranty for a period of time equal to the
duration of the original manufacturer's warranty, up to one additional year (up to three additional years for
Centurion Card members), on warranties of five years or less that are eligible in the U.S.
How You Benefit...
• The Buyer's Assurance Plan mirrors manufacturers' warranties for covered products purchased entirely with
your Card account, up to one additional year (up to three additional years for Centurion Card members).
• When your covered product's manufacturer's warranty expires, the Buyer's Assurance Plan takes effect. The
Buyer's Assurance Plan cannot pay more than the actual amount charged to your Card for the item or $10,000;
whichever is less (not to exceed $50,000 per Cardmember account per policy year for all Occurrences
combined).
• Coverage is provided for any product malfunction, defect or damage covered by the terms of the product's
original warranty (“Occurrence”)- at no extra cost.
• For items charged entirely with the Card, the program administrator will decide whether to have the item
repaired or replaced, or to reimburse you (cash or credit[2]), not to exceed the original purchase price. The
Buyer’s Assurance Plan does not reimburse for shipping and handling expenses or installation, assembly,
professional advice, maintenance or other service charges.[3]
• Where the personal property consists of articles in a pair or set, this Policy shall be liable for one item in the
pair or set which form the basis of claim hereunder.
• No product registration or enrollment is required for any covered products, including gifts purchased for others.
Who Is Covered...
You are covered under this Plan and coverage remains effective as long as, you are a U.S. Resident Cardmember,
that is, the American Express Card has been issued to you in your name, and you maintain your permanent
residence with in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin
Islands.[4]
Your permanent residence is considered your primary dwelling place.
Key Terms To Know...
• Benefits will not be paid if, on the date of Occurrence, on the date of claim filing, or on the date of would-be
claim payment, any amount due on your Card account is unpaid for one or more billing cycle(s) or your Card
account is cancelled.[5]
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• You must provide proof of purchase and satisfactory proof of the covered Occurrence while coverage is in
effect to qualify for benefits under the Buyer's Assurance Plan. Remember to keep all your American Express
charge receipts, original store receipts, original manufacturers’ warranties, and products requiring repair.
• If you purchase an additional service contract or extended warranty with a product which is otherwise eligible
under the Buyer's Assurance Plan, and the combined coverage provided by both the original manufacturer’s
warranty and the purchased service contract does not exceed five years, then the product is eligible for coverage
under the Buyer's Assurance Plan. The Buyer's Assurance Plan will extend the warranty time period and mirror
coverage of the original manufacturers' warranty up to one additional year after both the original
manufacturer’s warranty and the purchased service contract have expired. If, however, you purchase an
American Express® Service Plan with a purchase from American Express Merchandise Services, the Buyer's
Assurance Plan will apply before the Service Plan is in effect. If the combined coverage of the original
manufacturer’s warranty and the purchased service contract exceeds five years then the product purchased is
not eligible under the Buyer's Assurance Plan and no coverage applies.
• If you buy an additional service contract or an extended warranty for a computer, computer component or part
that already comes with an original U.S. Manufacturer’s warranty, unless such coverage is provided from and
administered by the original manufacturer, coverage under the Buyer’s Assurance Plan does not apply.
Products Not Covered...
• products not having manufacturers’ warranties valid in the U.S.;
• at the time of purchase, used, rebuilt, refurbished or remanufactured items;
• products covered by an unconditional satisfaction guarantee;
• motorized vehicles (such as cars, trucks, motorcycles, boats, airplanes) and their parts, subject to high risk,
combustible wear and tear, or mileage stipulations (including batteries, carburetors, pipes, hoses, pistons,
brakes, tires, or mufflers);
• motorized devices and their parts used for agriculture, landscaping, demolition or construction;
• motorized devices and their parts which are permanent additions or fixtures to a residential or commercial
building;
• business fixtures, including but not limited to air conditioners, refrigerators, heaters;
• land or buildings;
• consumable or perishable items;
• animals or living plants;
• one of a kind products which cannot be replaced;
• items purchased for resale, professional, or commercial use on non Business Cards.
• items still under installment billing (except those purchased from American Express Merchandise Services) and
• products with manufacturers’ warranties, or combined manufacturer’s warranties and service plan agreements,
lasting in excess of five years.
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Occurrences Not Covered...
• any physical damage, including damage as a direct result of natural disaster or a power surge, except to the
extent the manufacturer's warranty covers damage;
• Occurrences caused by any of the following:
• fraud;
• abuse;
• war or hostilities of any kind (e.g., invasion, rebellion, insurrection);
• confiscation by order of any government, public authority, or customs official;
• risks of contraband;
• illegal activity or acts;
• radioactive contamination;
• mechanical failure covered under product recall;
• all Occurrences that take place outside the Buyer’s Assurance Plan coverage effective period.
How To File A Claim...
Remember, you need to report any Occurrence immediately, including that for gifts purchased with the Card.
Remember also, you need to retain your receipts, the original manufacturer's warranty and the product requiring
repair until the claim process is complete. You may also be asked to obtain a repair estimate.
1) Call toll-free 1-800-225-3750 to notify us of your claim (overseas, call collect at 303-273-6498). Note: You
must report your claim within 30 days from the date of Occurrence.
2) The program administrator will decide whether to have the item repaired or replaced, or to reimburse you (cash
or credit[2]) up to the amount charged to the Card, and not to exceed the original purchase price. Buyer’s
Assurance Plan does not reimburse for shipping and handling expenses or installation, assembly, or other
service charges[3]. Note: No payment will be made for invalid claims or claims not substantiated in the manner
required by the Insurer.
3) You must return all requested documentation within 60 days from the date of Occurrence to remain eligible for
coverage.
4) For some claims, you may be required to send in the damaged product, at your expense, for further evaluation
of your claim. Note: If requested, you must send in the damaged product within 30 days from the date of
request to remain eligible for coverage.