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Account Protector

Filing a Claim?

Download your claim form below or call 1-800-708-0807 to request a copy of your claim form to be sent by standard mail.

 Claim Form

IMPORTANT: Please ensure you read the claim form carefully.

Any claim submitted with incomplete forms or missing
documentation will cause a delay in the adjudication process.

How to Submit a Claim?

Once you have completed all necessary claim forms and have collected all required documents needed to process your claim, you may submit your claim by mail or fax to:

Assurant Solutions
PO Box 7000
Kingston, ON K7L 5V5

Fax Number:
1-800-645-9405

Additional Documentation

Please see below for additional documents that you may be required to submit to Assurant Solutions along with your claim form, depending on the type of claim submitted.

  • Marriage Certificate
  • New Home Agreement of Purchase and Sale
  • Tuition Receipt/Proof of Child Enrollment in Post Secondary Education
  • Marriage Certificate for Child of Basic Cardmember
  • Birth or Adoption Certificate

Employer Statement or Record of Employment

Attending Physician Statement

 

Employer Statement or Record of Employment

 

  Self-Employment Affidavit (if applicable)

Attending Physician Statement (including Date of Diagnosis)

Attending Physician Statement

Death Certificate

 

 Estate Authorization Form

Death Certificate

No additional documents required

The documentation listed above is the minimum required. Further information or proof of loss may be requested during the claims adjudication process.

How do I file a claim for my AMEX Account Protector Ultimate Coverage?

To file a claim for any benefits under this coverage, please send completed claim forms along with all required supporting documentation to Assurant Solutions. You can submit your claim by mail or fax to:

 

Assurant Solutions

PO Box 7000

Kingston, ON  K7L 5V5

Fax Number: 1-800-645-9405

 

Please ensure you read the claim form carefully. Any claim submitted with incomplete forms or missing documentation will cause a delay in the adjudication process.

Where can I get the claim forms necessary to file a claim?

You can download and print a copy of your claim form from this website under the How to File a Claim? section.

I don’t have access to a printer; can I obtain the claim form some other way?

Yes. You can contact Assurant by phone at 1-800-708-0807 to request a copy of your claim form to be sent by standard mail.

 

Once I submit my claim, how long will it take to find out if it was approved?

It takes approximately 10 business days to assess your claim once all forms and supporting documentation have been received. In most cases you will receive notification by mail within 3-4 weeks. Keep in mind that missing information will cause delays in the adjudication process. Therefore it is important that you read your claim form and instructions carefully, and provide all required information.

Can I submit my claim if I don’t have all the supporting documentation listed on my claim form?

Any missing information will cause delays in the adjudication process. Therefore it is important that you read your claim form and instructions carefully, and provide all required information. Claims cannot be approved without ALL required information and documentation.

If my claim is approved, how are my benefits paid?

If your claim is approved, the benefit amount will be paid to Amex Bank of Canada and applied as a credit on your American Express Credit Card Account. 

If my claim is approved, will payments be made to my American Express Card monthly on my behalf?

Claim payments are made by two different methods, depending on the type of coverage you are claiming for.

 

For Life, Dismemberment, Accidental Death, Critical Illness, Disability Requiring Hospitalization and Loss of Self Employment Income claims, the approved amount will be paid as a lump sum benefit. The amount paid will be equal to the outstanding insured balance on your Account at the date of loss, up to $20,000.00.

 

For Involuntary Unemployment and Total Disability claims,  the approved amount will be paid monthly for the first 3 months. Each monthly payment will be equivalent to 5% of the outstanding insured  balance on your Account as of the date of loss, up to a maximum of $1000. However, if you remain Unemployed or Totally Disabled for a continuous period of 90 consecutive days, Assurant Solutions will pay the total insured amount Incurred on your Account as of the first day of Involuntary Unemployment or Total Disability, less any benefits already paid for this episode of Involuntary Unemployment or Total Disability, to a maximum of $20,000.00

 

A claim for a Positive Life Event will be made as a lump sum for each covered event. The limit of liability is two Monthly Payments, each equivalent to 5% of the outstanding insured balance on your Account as of the date of loss, up to a maximum of $1,000.

If I submit a claim and receive a benefit, does my coverage stop?

Coverage does not cease if you receive a benefit under your Involuntary Unemployment/Loss of Self-Employment Income, Total Disability, Disability Requiring Hospitalization or Positive Life Events coverage. However, if you receive a Critical Illness, Life, Accidental Death or Dismemberment benefit, your coverage will be terminated.

How can I check the status of a claim?

You can contact Assurant Solutions by phone for any questions regarding the status of your claim at 1-800-708-0807.

If I have a problem or concern about my claim or the insurance coverage who should I contact?

If you have any problems or concerns, please contact Assurant Solutions Customer Service Assoicate by mail, phone or fax

 

Address: P.O. Box 7200, Kingston, Ontario K7L 5V5

Phone: 1-800-708-0807

Fax Number: 1-800-645-9405