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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

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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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almed33 asked this question on 04-07-2021 at 02:50 PM
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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This comment has been rated as unhelpful by Slickdeals users
Joined Dec 2006
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#31
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.
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#32
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.
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#33
$50 deductible? So you still have to pay for repair on your phone?
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#34
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.
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Joined Jan 2018
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#35
Chase cc provides upto $1000.
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#36
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.
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#37
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.
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#38
Quote from batman1978 :
Doesnt one of the chase cards also do this?
Chase business ink preferred
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#39
Meh. Not useful for me. The cost of postpaid over prepaid is at least 50% more per month.
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#40
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
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#41
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).
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#42
Quote from 2k2tii :
+1 on loss of $10 discount
I'm on A&T with Auto Pay and I pay using my AMEX CC.
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#43
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.
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#44
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.
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#45
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.
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