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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 2014
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> bubble2 415 Posts
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JoeJ7899
04-08-2021 at 09:34 AM.
04-08-2021 at 09:34 AM.
Quote from SlickPat :
Is this for all Chase card or only the premium cards? Thanks!

I have the regular one no annual fee
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Joined Jun 2016
New User
> bubble2 5 Posts
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PHreaKstER
04-08-2021 at 09:45 AM.
04-08-2021 at 09:45 AM.
Quote from cpsmith1984 :
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 use a credit card for my autopay and i still get the discount. been doing this for years now
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Joined Sep 2007
L5: Journeyman
> bubble2 697 Posts
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SlickPat
04-08-2021 at 10:54 AM.
04-08-2021 at 10:54 AM.
Quote from JoeJ7899 :
I have the regular one no annual fee
I have the Freedom and didnt know it covers cell phone Smilie
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Joined Feb 2005
Tasty
> bubble2 413 Posts
207 Reputation
6th
04-08-2021 at 12:41 PM.
04-08-2021 at 12:41 PM.
Quote from blue_moon :
Does your S6 Edge still work fine? Not sure what exactly are you asking.
Yes, I just want to know what insurance companies value older phones at.
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Joined Jun 2009
L2: Beginner
> bubble2 99 Posts
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blue_moon
04-08-2021 at 01:27 PM.
04-08-2021 at 01:27 PM.
Quote from 6th :
Yes, I just want to know what insurance companies value older phones at.
It all depends on them. I am not sure in lost cases. But, if it stops working then it's the repair quotation minus the applicable deduction would be the value you'd get back.
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Joined Sep 2003
Stop the charge!
> bubble2 3,574 Posts
1,350 Reputation
starcaptor
04-08-2021 at 06:40 PM.
04-08-2021 at 06:40 PM.
Quote from GarryH9371 :
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
Just the estimate, a PDF of your bill (it doesnt have to show the phone on it at all...just a bill showing the $ amount that was paid using the Chase card last month), and filled out form that they send you.

You can fix the phone before they approve it, submit the forms, and they will pay it back later. However, I didnt trust that, so I waited until i got the estimate and THEN i started the claim.

Payment was pretty drama free...got the check about two weeks later, for the exact amount of the quote, minus the $50 deductible.

Like with car insurance claims, you can usually ask the shop to inflate the estimate with an optional repair so that at the end, the $50 is covered.

In reference to the other poster...yes, you can claim a phone that you bought off of ebay or swappa which is already broken...however, there is no guarantee that they wont ask for the receipt. I claimed my Note 8, which I bought legitimately from Costco, and they never asked for the receipt. The TOS dont emphasize that you need a purchase a receipt for the claim itself. But it doesnt say that your phone needs to have been purchased from your phone provider...which would automatically discount purchases from Amazon, B&H, or anywhere else where we bought the handset outright.
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Joined Aug 2005
L6: Expert
> bubble2 1,499 Posts
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Virbla
04-09-2021 at 07:19 AM.
04-09-2021 at 07:19 AM.
Quote from Baguda :
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.
Then get rid of the blue cash and get the other cards instead, why you still have it???
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Joined Feb 2014
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> bubble2 1,354 Posts
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SDGempler
04-09-2021 at 07:43 AM.
04-09-2021 at 07:43 AM.
American Express is the opposite of robinhood... they takes from the poor and give to the rich.
Their free cards lost extended warranty, buyer protection, and other things last year... and now you tell me they increased benefits to the top paying customers. I no longer use AMEX for my large purchases since it lacks extended warranty and buyer protection.
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Joined Mar 2010
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> bubble2 2,243 Posts
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deyainrdy4ds
04-09-2021 at 08:46 AM.
04-09-2021 at 08:46 AM.
so this wont work on "leased" phones that youre making payments on thru your bill?
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Joined Dec 2007
L3: Novice
> bubble2 321 Posts
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Big_Sexy
04-09-2021 at 10:28 AM.
04-09-2021 at 10:28 AM.
Quote from deyainrdy4ds :
so this wont work on "leased" phones that you're making payments on thru your bill?
My guess on this one is that you are not leasing. You have bought the phone and are still on the hook with the carrier if something happens to it. Just my 1 cent.
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Joined Sep 2012
L10: Grand Master
> bubble2 9,428 Posts
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Baguda
04-09-2021 at 04:43 PM.
04-09-2021 at 04:43 PM.
Quote from Virbla :
Then get rid of the blue cash and get the other cards instead, why you still have it???
Because Blue Cash is (I think) the only Amex card without a yearly fee, but clearly it's excluded from many offers these days. I could probably get rid of it completely and not miss it since the extended warranty is gone and I almost never get any good offers (in prior years I used to get good Best Buy offers every November... not any more).
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Joined Nov 2018
L3: Novice
> bubble2 138 Posts
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notr1
04-09-2021 at 09:48 PM.
04-09-2021 at 09:48 PM.
Quote from liw5215 :
my son dropped his phone last week, the screen is damaged, it is dim and has some rainbow strips. I have personal platinum AX. I am going to switch the monthly payment due around 12th each month to my AMEX platinum card. do I have wait to May 1st to claim the coverage or we can claim it right after the payment? Thanks
They will ask you when the damage occurred. If you try to claim the damage by lying about when it happened, you will be committing insurance fraud.
1
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Joined Nov 2018
L3: Novice
> bubble2 138 Posts
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notr1
04-09-2021 at 10:07 PM.
04-09-2021 at 10:07 PM.
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?
Financed phones are not the same as leased phones.

Financed phones are phones you purchase on a loan and pay off over time.

Leased phones are phones you pay to use for a set period of time, but you do not automatically become the owner of the phone after the lease period. Example: T-Mobile Jump on Demand
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Joined Aug 2006
L3: Novice
> bubble2 164 Posts
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sd sder
04-10-2021 at 08:46 AM.
04-10-2021 at 08:46 AM.
Let me get this straight. I paid my tmobile bill on 3/29. Does that mean I'm eligible for now for phone insurance? If so this is perfect timing as I just shattered my screen this morning walking the dog!
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Joined Dec 2012
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> bubble2 3 Posts
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ArxU3971
04-10-2021 at 09:02 PM.
04-10-2021 at 09:02 PM.
Quote from batman1978 :
Doesnt one of the chase cards also do this?
Chase Ink Preferred up to $600 per incident.
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