Discover Card Help Center

Purchase Protection

Learn how to protect your purchases against damage, fire or theft.
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  • What is Purchase Protection?

    As an exclusive feature of your Discover card, we will cover your eligible purchases up to $500 if they are damaged or stolen within 90 days of the purchase.

  • Do I have to pay a fee for Purchase Protection?

    No. For puchases made after August 1st, 2016, coverage applies if the eligible purchase was made with one of the following payment methods, either the entire purchase was made on the Discover card (and/or accrued Cashback Bonus or Miles), or the purchase was made on the Discover card along with either cash, store-issued gift card or credit, or non-card network branded gift card. Coverage does not apply if any credit or debit card other than Discover card is used for any portion of the payment. For purchases made prior to August 1st, 2016, coverage applies only if the entire purchase was made on the Discover card (and/or accrued Cashback Bonus or Miles).
  • Does Purchase Protection coverage apply if an eligible item was stolen from a vehicle?

    Unfortunately items stolen from vehicles including motorized vehicles and boats are not covered.
  • Do I need a Police Report to submit a claim?

    In order for a stolen item to be eligible for reimbursement, a police report must be filed following a covered incident.
  • How do I start the claims process?

    Call 1-800-347-0213 to ask questions or file a claim.

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