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

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(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

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)

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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
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Created 04-04-2021 at 04:17 AM by IronManFan
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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.

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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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Joined Jul 2010
L3: Novice
> bubble2 164 Posts
99 Reputation
a2raya83
04-07-2021 at 10:15 AM.
04-07-2021 at 10:15 AM.
Fyi, rented and leased phones are not covered under this AMEX policy.

Checked my Mastercard world elite policy and that specifically includes these phones.
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Joined Dec 2015
L8: Grand Teacher
> bubble2 3,039 Posts
256 Reputation
appleguy82
04-07-2021 at 10:24 AM.
04-07-2021 at 10:24 AM.
Quote from a2raya83 :
Fyi, rented and leased phones are not covered under this AMEX policy.

Checked my Mastercard world elite policy and that specifically includes these phones.

When you say leased does it mean if we finance the fones like monthly installment or what att or tmo called EIP then you cannot? So only outright purchases at full retail?
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Joined Nov 2013
L3: Novice
> bubble2 174 Posts
26 Reputation
neilroder
04-07-2021 at 10:27 AM.
04-07-2021 at 10:27 AM.
Quote from 2k2tii :
+1 on loss of $10 discount

I get my discount autopay with CC.
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Joined Apr 2012
1337 }{4X
> bubble2 166 Posts
30 Reputation
J3RM
04-07-2021 at 10:49 AM.
04-07-2021 at 10:49 AM.
I stopped using my Amex card as frequently after switching to the Chase Flex CC, which already offered this. Smart for Amex to offer this to compete. I bet they've taken a hit to Chase offering this ahead of them.
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Joined Aug 2015
L4: Apprentice
> bubble2 473 Posts
57 Reputation
Sinbios
04-07-2021 at 11:01 AM.
04-07-2021 at 11:01 AM.
Quote from blue_moon :
If your phone doesn't work, bring it to them for estimated cost of repairs.

Where do you bring it? There's no samsung store is there?
Reply
Joined Jul 2010
L3: Novice
> bubble2 164 Posts
99 Reputation
a2raya83
04-07-2021 at 11:21 AM.
04-07-2021 at 11:21 AM.
Quote from appleguy82 :
When you say leased does it mean if we finance the fones like monthly installment or what att or tmo called EIP then you cannot? So only outright purchases at full retail?

This is their exact language for phones that are 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"
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Joined Jan 2019
New User
> bubble2 12 Posts
10 Reputation
GarryH9371
04-07-2021 at 12:06 PM.
04-07-2021 at 12:06 PM.
Quote from starcaptor :
I've used the freedom flex (free card) coverage and it's pretty easy. They just need a receipt showing the repair quote. Ubreakifix has no issues getting you a free estimate on the spot. As long as you paid the PRIOR month's bill with your card, you're good for the coverage.

They don't need proof of where you got the phone or what you used to pay for it. I straight up asked the shop to replace *everything* in my note 9. Screen, battery, charging port, back cover, and stylus. Came out to about $480 (LOL). Only paid $50 deductible.

Amex warranty services have become MUCH less user friendly since 2020, when all their free cards dropped the coverage. Even calling their phone number you get put through more hoops than back in the day.

What documents did the need ? Other than the estimate and the screenshot of your phone bill with the phone being listed. I'm going to get my phone screen fixed and have been paying my T mobile bill with chase freedom flex. Thanks
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Joined Apr 2018
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> bubble2 343 Posts
62 Reputation
dpid
04-07-2021 at 12:16 PM.
04-07-2021 at 12:16 PM.
Quote from EricM4383 :
Something to consider is that some carriers are shifting towards new AutoPay/eBilling discount restrictions. Verizon doesn't give an AutoPay discount (which can be $10 per line per month on some plans) if paid with a credit card. May not be worth it depending on how much insurance would've cost.
whoa. glad tmo doesn't do that. we get $10 discount and i use my chase ink preferred (which has cell insurance)... best of both worlds :-)
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Joined Jan 2005
L5: Journeyman
> bubble2 618 Posts
24 Reputation
xtac
04-07-2021 at 12:20 PM.
04-07-2021 at 12:20 PM.
Quote from bagspacked :
This is cool except that Verizon effectively blocks you from paying your bill on an amex due to it negating their "autopay discount"
I have Verizon pre-paid I get an auto pay discount with cc, so I assume this is post-paid?
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Joined Nov 2015
L2: Beginner
> bubble2 38 Posts
10 Reputation
glee9201986
04-07-2021 at 12:36 PM.
04-07-2021 at 12:36 PM.
Can you buy a broken phone and use this claim to get free repairs? How will they know if you brought it broken? Do they need sales receipt of phone purchase as new?
2
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Joined Jun 2009
L2: Beginner
> bubble2 99 Posts
149 Reputation
blue_moon
04-07-2021 at 01:46 PM.
04-07-2021 at 01:46 PM.
Quote from Sinbios :
Where do you bring it? There's no samsung store is there?
Yes there is, at least in my area in NJ. When my S8 stopped working, I brought it to them. They took a look and provided me a copy of estimated repairs which I submitted to file the claim.
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Joined Jan 2012
L7: Teacher
> bubble2 2,032 Posts
270 Reputation
tofu.
04-08-2021 at 06:33 AM.
04-08-2021 at 06:33 AM.
Quote from glee9201986 :
Can you buy a broken phone and use this claim to get free repairs? How will they know if you brought it broken? Do they need sales receipt of phone purchase as new?

They won't know. They've accounted for insurance fraud from scumbags like you. They just blacklist the ones with a history of it.
Reply
Joined Jul 2014
L4: Apprentice
> bubble2 415 Posts
40 Reputation
JoeJ7899
04-08-2021 at 06:36 AM.
04-08-2021 at 06:36 AM.
Quote from batman1978 :
Doesnt one of the chase cards also do this?
Yes, AE only offered it to cards with annual fees.
Reply
Joined Apr 2009
L6: Expert
> bubble2 1,260 Posts
117 Reputation
mland0821
04-08-2021 at 09:07 AM.
04-08-2021 at 09:07 AM.
FYI-US Bank Kroger Mastercard started offering it last April. After 2 bill cycles I submitted a claim estimate for screen repair of $200 and they reimbursed $150 after $50 deductible, because I wanted to fix it myself.
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Joined Dec 2010
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> bubble2 1,103 Posts
378 Reputation
odson
04-08-2021 at 09:13 AM.
04-08-2021 at 09:13 AM.
Quote from glee9201986 :
Can you buy a broken phone and use this claim to get free repairs? How will they know if you brought it broken? Do they need sales receipt of phone purchase as new?
You have to show proof that the phone is activated under the account using the credit card to pay for monthly bill.
Reply
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