That is interesting. I've not had my claims denied. I even had it approved by showing that I bought AppleCare 11 months after buying the MacBook Pro in 2011. I attached scanned copies of both receipts with the claim and was approved.

Reading the Amex coverage, it does address this issue https://www.americanexpress.com/content/dam/amex/us/credit-c...

“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.”

So yes I think Amex extends the warranty after (prepaid 2 year) AppleCare expires for a term of one additional year, taking coverage to 36 months.

Amex coverage is now 2 additional years, but yes. It was one year for a long time.

I'm not so sure that's the case, when combined with an extended service contract. The "original warranty" was only one year, and this language seems to say that the length of the extended warranty offered by Amex after the service contract is equal to the length of the original warranty, not the length of the service contract. Although I admit, the language is ambiguous and you might luck out with the right Amex agent (when attempting to make a claim in months 36-48)

Thanks for the info

Yes, I've cashed in on coverage before. It kicks in at the expiration of the original manufacturer's warranty. That is month 13 if no AppleCare is purchased and month 25 if AppleCare was purchased.

In my specific case, they paid me on an iPhone at 23 months (when no AppleCare had been bought) and two MacBook Pros in months ~40 on which AppleCare had been bought.

Interesting. How many years ago did you make the claim on the 40 month loss?

In 2014 and then again in 2017 (on the system that replaced my 2014 one).