Slickdeals is community-supported.  We may get paid by brands or deals, including promoted items.
Frontpage Advertiser Disclosure

American Express Card Membership Benefit: Cell Phone Protection (Up to $800)

Free
(Valid for Select Cardholders/Cards)
+183 Deal Score
189,670 Views
American Express is offering select/qualifying American Express Card Membership Benefit/Perk: Cell Phone Protection embedded on select card(s) for Free. Effective on April 1, 2021, you can be reimbursed for your repair or replacement costs following damage or theft up to $800 per claim w/ a limit of 2 approved claims per 12-month period when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by the Eligible Card account

Thanks to community member(s) WandaVision & other SD Members for finding/contributing to this deal

Note, please check to see if your card offers this benefit, as not all cards is eligible

Some Qualifying American Express Card(s) (select the card below to read the full guide to benefits for Cell Phone Protection related to that card)

Original Post

Written by
Edited April 27, 2021 at 09:16 AM by
Trolling my amex offer and saw that there is a new benefit for cell phone protection on my personal platinum card. ymmv

https://global.americanexpress.co...n/platinum
Add Comment
Created 04-04-2021 at 04:17 AM by IronManFan
If you purchase something through a post on our site, Slickdeals may get a small share of the sale.
Deal
Score
+183
189,670 Views
Free
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Your comment cannot be blank.

Featured Comments

Only the Platinum card. Also this is in-house cell phone insurance by Amex, Visa and Mastercard's cell phone insurance is administered 3rd party and they are a pain to deal with
To get coverage:
You must charge your monthly Eligible Cellular Wireless Telephone bill to your Eligible Card Account. You are eligible for coverage the first day of the calendar month following the payment of your Eligible Cellular Wireless Telephone bill using your Eligible Card Account. If you pay an Eligible Cellular Wireless Telephone bill with your Eligible Card Account and fail to pay a subsequent bill using your Eligible Card Account in a particular month, your coverage period changes as follows:
Seems to be AIG subsidiary, "Coverage is provided by New Hampshire Insurance Company, an AIG Company."

Sign up for a Slickdeals account to remove this ad.

Joined Dec 2006
L6: Expert
> bubble2 1,458 Posts
534 Reputation
dumars
04-04-2021 at 07:35 PM.
04-04-2021 at 07:35 PM.
This is not a deal if you are with Verizon. $10 auto pay per line falls off if you use a CC which is 25-33% on each of my lines with that anount being taken off pre-tax.
1
Like
Funny
>
Helpful
Not helpful
Reply
Joined Aug 2007
Rich in Miles and Points
> bubble2 787 Posts
281 Reputation
UnintentionalTourist
04-04-2021 at 07:38 PM.
04-04-2021 at 07:38 PM.
Quote from EagerActivity1630 :
"Not covered: Eligible Cellular Wireless Telephones which have been rented, leased, borrowed or Cellular Wireless Telephones that are
received as part of a pre-paid plan". Does that mean all prepaid phones like cricket are not covered?

Cricket doesnt take amex Frown i just tried yesterday.
Like
Funny
>
Helpful
Not helpful
Reply
Joined Nov 2004
L6: Expert
> bubble2 1,971 Posts
119 Reputation
alexwbush
04-04-2021 at 09:20 PM.
04-04-2021 at 09:20 PM.
$50 deductible? So you still have to pay for repair on your phone?
1
Like
Funny
>
Helpful
Not helpful
Reply
Joined Mar 2019
L5: Journeyman
> bubble2 744 Posts
122 Reputation
SlickDealir
04-04-2021 at 09:22 PM.
04-04-2021 at 09:22 PM.
Quote from 2k2tii :
What is NOT covered:

"Replacement Eligible Cellular Wireless Telephone(s) purchased from anyone other than a cellular service provider's retail or internet store that has the ability to initiate activation with the cellular service provider"

So does that mean if I buy the phone from Apple, but use it on Verizon, I'm not eligible? Technically Apple can initiate activation.

No, Apple would be valid since it interfaces with Verizon/Tmobile/AT&T. What they mean is you can't just buy a phone off of eBay or Amazon.
Like
Funny
>
Helpful
Not helpful
Reply
Joined Jan 2018
L3: Novice
> bubble2 125 Posts
30 Reputation
iKiller
04-04-2021 at 09:43 PM.
04-04-2021 at 09:43 PM.
Chase cc provides upto $1000.
Like
Funny
>
Helpful
Not helpful
Reply
Joined Sep 2006
L6: Expert
> bubble2 1,766 Posts
511 Reputation
addtd2sd
04-04-2021 at 10:47 PM.
04-04-2021 at 10:47 PM.
Quote from iKiller :
Chase cc provides upto $1000.
Not really. they have a limit of $600 per claim. The $1000 is the card limit per year.
https://www.mastercard.us/content...d_2019.pdf
Quote :
The maximum liability is $600 per claim for World Mastercard, and $1,000 per Covered Card per 12 month period. Each claim is subject to a $50 deductible.
3
Like
Funny
>
Helpful
Not helpful
Reply
Joined Sep 2006
L6: Expert
> bubble2 1,766 Posts
511 Reputation
addtd2sd
04-04-2021 at 10:49 PM.
04-04-2021 at 10:49 PM.
Quote from TrevorK :
I read this to mean AMEX will decide if the claim you are submitting is for a lost phone or a "lost" phone... https://static.slickdealscdn.com/ima...ilies/wink.gif
I was looking at Mastercard's terms and they have the same clause. Both are processed by AIG. I went with Amex because they have a higher limit per claim.
Like
Funny
>
Helpful
Not helpful
Reply

Sign up for a Slickdeals account to remove this ad.

Joined Nov 2010
L2: Beginner
> bubble2 90 Posts
34 Reputation
ixcknyxi
04-04-2021 at 11:06 PM.
04-04-2021 at 11:06 PM.
Quote from batman1978 :
Doesnt one of the chase cards also do this?
Chase business ink preferred
1
Like
Funny
>
Helpful
Not helpful
Reply
Joined Oct 2005
L4: Apprentice
> bubble2 402 Posts
101 Reputation
Bemanix88
04-05-2021 at 03:32 AM.
04-05-2021 at 03:32 AM.
Meh. Not useful for me. The cost of postpaid over prepaid is at least 50% more per month.
1
Like
Funny
>
Helpful
Not helpful
Reply
Joined Apr 2012
L5: Journeyman
> bubble2 866 Posts
186 Reputation
Firebird2k6
04-05-2021 at 03:46 AM.
04-05-2021 at 03:46 AM.
Quote from Vorter :
If for some reason you can't/don't want to use a credit card, the Betterment checking debit card also has cell phone insurance.

I also have my phone (and laptop) as an add-on to my homeowner's policy for like $10/year just in case. Had a Macbook Pro I accidentally shattered on a trip replaced with full cash value.

Cool on the betterment....but homeowners? Please tell me that wouldn't count as a claim? Otherwise that would be one of the dumbest things to do
5
Like
Funny
>
Helpful
Not helpful
Reply
Joined Nov 2018
L3: Novice
> bubble2 149 Posts
22 Reputation
Beckles
04-05-2021 at 04:50 AM.
04-05-2021 at 04:50 AM.
The biggest concern I have about this coverage compared to what I pay a lot to T-mobile for is that it only reimburses the cash cost of fixing the phone, my coverage through T-mobile/Asurion provides AppleCare for the first two years (so I can take it to the Apple Store), then after that Asurion will fix the phone (typically by providing a remanufactured phone).
1
Like
Funny
>
Helpful
Not helpful
Reply
Joined Feb 2008
Love to Save
> bubble2 1,950 Posts
395 Reputation
Debu7
04-05-2021 at 07:00 AM.
04-05-2021 at 07:00 AM.
Quote from 2k2tii :
+1 on loss of $10 discount
I'm on A&T with Auto Pay and I pay using my AMEX CC.
Like
Funny
>
Helpful
Not helpful
Reply
Joined Nov 2014
Darth Jar Jar
> bubble2 420 Posts
181 Reputation
Vorter
04-05-2021 at 07:21 AM.
04-05-2021 at 07:21 AM.
Quote from Firebird2k6 :
Cool on the betterment....but homeowners? Please tell me that wouldn't count as a claim? Otherwise that would be one of the dumbest things to do

It does not, at least for mine. It's a policy add on for a reason lol.
2
Like
Funny
>
Helpful
Not helpful
Reply
Joined Mar 2006
L2: Beginner
> bubble2 81 Posts
59 Reputation
bad.nerd
04-05-2021 at 08:25 AM.
04-05-2021 at 08:25 AM.
Quote from 2k2tii :
What is NOT covered:

"Replacement Eligible Cellular Wireless Telephone(s) purchased from anyone other than a cellular service provider's retail or internet store that has the ability to initiate activation with the cellular service provider"

So does that mean if I buy the phone from Apple, but use it on Verizon, I'm not eligible? Technically Apple can initiate activation.
I've read through the policy in detail, and I'm a very confused on which phones are covered. I have two current phones that were purchased from eBay/Craiglist on my T-Mobile postpaid account that I pay with my AMEX. Are these covered?

What does "replacement" mean? Is it replaced phones in the event of a claim? Is it also phones that I replace on my T-Mobile plan going forward?

This is all totally unclear to me.
Like
Funny
>
Helpful
Not helpful
Reply

Sign up for a Slickdeals account to remove this ad.

Joined Jan 2008
L5: Journeyman
> bubble2 580 Posts
72 Reputation
tampa8
04-05-2021 at 08:39 AM.
04-05-2021 at 08:39 AM.
Quote from Firebird2k6 :
Cool on the betterment....but homeowners? Please tell me that wouldn't count as a claim? Otherwise that would be one of the dumbest things to do
First no, in many or most cases it is NOT covered except as part of a larger claim - Fire and other belongings damaged etc.... But you also did not think through the deductible that would need to be paid. For most people that is easily $1000 and up per occurrence.
1
Like
Funny
>
Helpful
Not helpful
Reply
Page 3 of 18
Start the Conversation
 
Link Copied

The link has been copied to the clipboard.