That being said, I do not recall the LOSS, THEFT or DAMAGE being more than 90 days, let alone a year. What program was that with? warranty extension was always about 2x, but limits it for certain items now like PC’s and TV’s, etc.

I’m actually currently going through an extended warranty claim with mastercard. Still waiting for them to acknowledge receipt of my documents. In my case, mastercard would only add 1 year of additional warranty for items with up to a 1 year warranty (effective maximum of 2).

A similar pattern holds. On the surface, the extended warranty features seem generally comparable between Amex, Visa Signature, and most MasterCards. They’ll all double the manufacturer’s warranty, up to one year’s extension. (MC seems to give the issuing banks the most leeway of the three, which leads to more variation. And Visa cards without the Signature label aren’t required to have the shopping benefits at all.)

But Amex’s warranty extension is valid on items that have up to a 5-year warranty, giving you a possible maximum warranty of 6 years. (I checked a few different Amex products, and they all shared the same terms.)

Visa Signature will only add a year for items with up to a 3-year warranty, for an effective maximum of 4 years.

And Mastercard is vague, referring you to your issuing bank’s terms and conditions; MC, however, doesn’t seem to limit this benefit to the “premium” cards.