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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)

Editor's Notes & Price Research

Written by
  • Coverage is provided by New Hampshire Insurance Company, an AIG company, at no additional code to Card Membership
  • Coverage is subject to certain terms, conditions, and limitations, including limitations on the amount of coverage.
  • Coverage is excess of those amounts not covered by any other insurance or indemnity.
  • 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
  • A $50 deductible will apply to each approved claim
  • To validate your coverage, please call the number on the back of your card. If your card is not listed on the promotional page or if you are an additional card member, please call the number on the back of your card to verify your benefits
  • Offer valid while promotion last
Additional Note
  • Additional terms/conditions may apply; see promotional page for more details
  • Please refer to the forum thread for additional details - Discombobulated
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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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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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#3
Some credit cards already offer this, wells fargo cc comes to mind
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#4
"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?
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#5
Looks to be available only for specific cards
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#6
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:
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#7
Doesnt one of the chase cards also do this?
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#8
Man, wonder if delta amex offers This?? Couldn't find anything on it
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#9
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?
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Last edited by cpsmith1984 April 4, 2021 at 05:55 AM.

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#10
Quote from Dealnapped :
Looks to be available only for specific cards
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
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Quote from Teck0427 :
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
Seems to be AIG subsidiary, "Coverage is provided by New Hampshire Insurance Company, an AIG Company."
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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.
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#13
Quote from bluekiwi :
Some credit cards already offer this, wells fargo cc comes to mind
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.
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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?
+1 on loss of $10 discount
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#15
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.
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