Credit card insurance FTW!

In August my hus­band bought me a beau­ti­ful pair of sun­glasses as a belated birth­day present. I’d needed new sun­glasses for a while and it was time to get a new pair. I finally found a pair that I *loved* and the old pair was rel­e­gated to the glove box in the car.

In Sep­tem­ber I was in the ER with our daugh­ter when my sun­glasses dis­ap­peared from my dia­per bag. I’m not sure if they were taken out of the bag or if they fell out and then were picked up but I was miss­ing them after that visit. I went back to the hos­pi­tal to see if they had been turned in but alas they were not. I bit­terly wished that whomever found/took my sun­glasses had them go miss­ing too.

I dreaded telling him that the sun­glasses were miss­ing, but he took it in stride. They are just a “thing” and while it sucked that they were gone, they could be replaced. I was mis­er­able because we could not afford to buy those sun­glasses par­tic­u­lar sun­glasses again so I fig­ured that I was stuck wear­ing my old sun­glasses until such a time that we could afford to buy a new pair.

He reminded me that we pur­chases the sun­glasses with our credit card and that card has pur­chase pro­tec­tion insur­ance on it. If the item is lost, stolen or dam­aged with­ing 90 days of pur­chase the credit card insur­ance will pay to replace the item. He assem­bled the required paper­work and sent it in. I said that I wasn’t going to hold my breath but lo and behold I cheque has arrived and my sun­glasses will be replaced.

Check your credit card to see if you have pur­chase pro­tec­tion insur­ance too. Yes, it requires an immense amount of paper­work. I think that they require so many papers and receipts to weed out some of the claims, but then again I may be wrong. My sun­glasses have been ordered and hope­fully I will have my brand new sun­glasses by Monday!

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1. so frus­trat­ing!