American Express Card Membership Benefit: Cell Phone Protection (Up to $800)
Free
(Valid for Select Cardholders/Cards)
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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
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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."
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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.
Then like any Insurance, they have done their job well. LOL. Don't blame you without it being fully explained very hard to know all the info.
My bank offers a 600 dollar cellphone protection thing too. I guess it's getting pretty popular to pull people in.
also it says you have to pay your bill with it. you will lose your 10 dollar discount for auto pay won't you for using your credit card instead of bank account/debt?
I have tmobile, I always paid with credit card and I get an auto-pay discount.
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).
My experience with the wells fargo cash card. You get an estimate, they send you a physical check (minus taxes before there was a deductible) and it's up to you what you want to do with it.
I cracked my screen on my XS Max last week. Paid to replace the screen as well. Could I still get reimbursed? I paid for an LCD but would like to get back to OLED….thank you!
I doubt it. I imagine you can crack your screen again and then use the insurance to pay for the repair.
I use my VZW Visa to pay my wireless bill (rewards and such), and when you consider that most iphones and high-end Android devices are easily $1k+, it's probably a wash if you ever actually need to use this feature. At least for me.
Chase Freedom Flex MasterCard does this.
"Cell Phone Protection
Get up to $800 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 2 claims in a 12 month period with a $50 deductible per claim.*"
I cracked my screen on my XS Max last week. Paid to replace the screen as well. Could I still get reimbursed? I paid for an LCD but would like to get back to OLED….thank you!
This benefit didnt take effect until 04/01 so unless you broke and repaired it after Thursday last week, they would deny your claim.
I havent claimed this AMEX one before but i had made a claim on my chase ink one. They allowed me to go into apple and get a replacement immediately, then i submitted the claim with the original purchase receipt, the monthly bill i paid and a copy of the repair receipt from apple with the reason (water ingress) and repair cost.
Then sent me a check a few weeks later, no questions asked.
But yeah, thats just my experience.
Last year I looked at the terms on the Wells Fargo CC regarding cell phones and it says only physical damage to the phone is covered. It specifically excludes any coverage for electronics failures or bad (bulging) batteries. So WF's coverage is only useful if you break your phone by dropping it. I suppose if one has an electronics failure one could always "accidentally" smash it on the ground. In a sane world, I would've expected their coverage to be the opposite (i.e. for electronics/batteries failures and not rewarding people for dropping it).
I'm sure the Amex Blue Cash Everyday is excluded from any phone coverage because it's pretty much always excluded from anything good.
Nice additional benefit for Amex card owners. Personally I use no annual fee Uber visa from Barclay Bank which has similar offer but capped at $600 per claim.
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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:
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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.
Amex platinum is a card, not a category of cards like Visa Signature.
Its ~$550 per year
also it says you have to pay your bill with it. you will lose your 10 dollar discount for auto pay won't you for using your credit card instead of bank account/debt?
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"Cell Phone Protection
Get up to $800 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 2 claims in a 12 month period with a $50 deductible per claim.*"
I havent claimed this AMEX one before but i had made a claim on my chase ink one. They allowed me to go into apple and get a replacement immediately, then i submitted the claim with the original purchase receipt, the monthly bill i paid and a copy of the repair receipt from apple with the reason (water ingress) and repair cost.
Then sent me a check a few weeks later, no questions asked.
But yeah, thats just my experience.
I'm sure the Amex Blue Cash Everyday is excluded from any phone coverage because it's pretty much always excluded from anything good.
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