Paul Sanchez
American Express offers cell phone insurance for select premium cards. This benefit is provided by the New Hampshire Insurance Company, an AIG Company, at no additional cost to the card membership. Cardholders can be reimbursed for repair or replacement costs following damage or theft, with a maximum coverage of $800 per claim and a limit of two approved claims per 12-month period. A $50 deductible applies to each approved claim. To receive coverage, the monthly cell phone bill must be paid using an eligible American Express card.
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What You'll Learn
American Express cards with cell phone insurance
American Express offers cell phone insurance on several of its credit cards. This benefit is typically reserved for its premium cards, and coverage is provided by the New Hampshire Insurance Company, an AIG Company.
The American Express cards that offer cell phone protection include:
- The Platinum Card from American Express
- Delta SkyMiles Reserve American Express Card
- Delta SkyMiles Platinum American Express Card
- Marriott Bonvoy Brilliant American Express Card
- The Business Platinum Card from American Express
- Delta SkyMiles Reserve Business American Express Card
- Delta SkyMiles Platinum Business American Express Card
- The American Express Platinum Card Exclusively for Schwab, Ameriprise Financial, Goldman Sachs, and Morgan Stanley
- Business Centurion Card from American Express
- Centurion Card from American Express
- Corporate Centurion Card from American Express
- Corporate Platinum Card
- American Express Business Gold Card
With these American Express cards, you can be reimbursed for repair or replacement costs following damage or theft, with a maximum coverage of $800 per claim. This coverage includes cosmetic damage, such as a cracked screen, which is often excluded from other phone insurance policies. To receive coverage, your monthly cell phone bill must be paid using the eligible American Express card.
It is important to note that eligibility, benefit levels, terms, conditions, and limitations may vary by card. Therefore, it is recommended to refer to the specific terms and conditions of your chosen American Express card to fully understand the cell phone insurance coverage provided.
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How to file a claim
American Express does offer cell phone insurance for select premium cards. The process of filing a claim for cell phone insurance with American Express is as follows:
- Verify that your American Express card offers cell phone protection: Not all American Express cards offer this benefit, so it is important to check the specific benefits of your card. You can do this by visiting the American Express website or calling the number on the back of your card.
- Review the terms and conditions of the cell phone protection: Understand the coverage provided, any exclusions or limitations, and the claims process.
- Gather the necessary documentation: This may include proof of purchase of the cell phone, repair or replacement estimates, and a copy of the wireless bill showing the cell phone line listed and payment made with your eligible American Express card.
- File a claim online or by phone: You can file a claim by visiting the American Express website or by calling their customer service number. Provide all the necessary documentation and follow any instructions provided by American Express.
- Wait for the claim to be processed: American Express will review your claim and may request additional information.
- Receive reimbursement: If your claim is approved, American Express will reimburse you for the repair or replacement costs, up to the coverage limit specified in your card's benefits guide.
It is important to note that the specific process and requirements may vary depending on your card and the circumstances of the claim. Be sure to carefully review the terms and conditions of your American Express card's cell phone protection benefit and follow any instructions provided by American Express during the claims process.
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Terms, conditions, and limitations
The terms, conditions, and limitations of the cell phone protection benefit offered by American Express vary depending on the specific card. This benefit is available on several American Express cards, including:
- The Platinum Card from American Express
- Delta SkyMiles Reserve American Express Card
- Delta SkyMiles Platinum American Express Card
- Marriott Bonvoy Brilliant American Express Card
- The Business Platinum Card from American Express
- Delta SkyMiles Reserve Business American Express Card
- Delta SkyMiles Platinum Business American Express Card
- The American Express Platinum Card Exclusively for Schwab
- Business Centurion Card from American Express
- Centurion Card from American Express
- The Corporate Centurion Card from American Express
- Corporate Platinum Card
- The Platinum Card from American Express Exclusively for Ameriprise Financial
- The Platinum Card from American Express Exclusively for Goldman Sachs
- The Platinum Card from American Express Exclusively for Morgan Stanley
- American Express Business Gold Card
- Coverage is provided by the New Hampshire Insurance Company, an AIG Company, with no additional cost to card membership.
- Coverage is subject to certain limitations on the amount, typically USD 800 per claim with a maximum of two approved claims per 12-month period.
- A deductible, usually USD 50, applies to each approved claim.
- The benefit covers eligible cellular wireless telephones listed on a wireless bill, provided that the prior month's wireless bill was paid by an eligible card account.
- Coverage is limited to amounts not covered by any other insurance or indemnity available to the cardholder.
- The benefit covers stolen or damaged phones, including cosmetic damage like cracked screens, and reimburses the lesser of the repair or replacement costs.
- To receive coverage, cardholders may need to pay their monthly cell phone bill using the eligible American Express card.
- Eligibility and benefit levels can vary by card, and not all American Express cards offer this benefit.
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Cell phone insurance coverage
American Express offers cell phone insurance coverage for eligible cellular wireless telephones. This benefit is available for select premium American Express cards, including the Business Platinum Card, the Delta SkyMiles Platinum Business American Express Card, and the Business Gold Card. Coverage is provided by the New Hampshire Insurance Company, an AIG Company, and is subject to certain terms, conditions, and limitations.
The cell phone protection benefit covers stolen or damaged eligible phones, including cosmetic damage like cracked screens. The maximum coverage is $800 per claim, with a limit of two approved claims per 12-month period. Each claim has a $50 deductible. To receive coverage, cardholders must pay their monthly cell phone bill using their eligible American Express card.
To activate and utilize the coverage, cardholders can refer to the specific terms and conditions of their eligible American Express card. The American Express website provides detailed information on the benefits and coverage offered by each card. It is important to note that eligibility and benefit levels may vary, and additional terms and conditions may apply.
American Express also offers a range of other benefits and protections, including travel insurance, return protection, purchase protection, extended warranty protection, and rental car insurance. These benefits vary across different cards, and cardholders can contact American Express customer service or refer to their specific card's benefits guide for more information.
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Other credit cards with cell phone insurance
Credit cards that offer cell phone insurance typically provide coverage for damage or theft, with a limit on the number of claims and the maximum payout. This insurance is often secondary or supplemental, meaning it is available after other coverage options have been applied.
Capital One Venture X
The Capital One Venture X card is a premium credit card that offers cellphone protection as one of its benefits. This coverage includes reimbursement for theft of and damage to your cellphone, with a maximum liability of $800 per claim and a limit of two claims per eligible card account per 12-month period. Each claim is subject to a deductible, which is typically around $25 to $100.
Wells Fargo Autograph Card
The Wells Fargo Autograph Card offers up to $600 in secondary coverage for damage or theft when the card is used to pay the monthly phone bill. There is a $25 deductible and a limit of two claims per 12 months.
Ink Business Preferred Credit Card
The Ink Business Preferred Credit Card is ideal for business owners who want to earn rewards on common business expenses, including phone services. In addition to cell phone protection, cardholders enjoy purchase protection, extended warranty protection, primary car rental coverage, and trip cancellation/interruption insurance.
Mastercard World and World Elite Cards
Mastercard offers cell phone protection on its mid- and top-tier cards, including the World and World Elite cards. Coverage varies by issuer, but these premium cards offer perks such as unlimited 3X points on restaurants, travel, gas stations, and streaming services.
It is important to note that the specific terms, conditions, and limitations of cell phone insurance may vary depending on the credit card issuer and the individual card. It is always a good idea to carefully review the benefits guide and understand the coverage provided before choosing a credit card based on this feature.
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Frequently asked questions
Yes, American Express offers cell phone insurance for its premium cards. This includes the American Express Platinum Card, the Delta SkyMiles Platinum American Express Card, and the Delta SkyMiles Reserve American Express Card.
The insurance covers theft or damage to your cell phone, including cracked screens, which is often not covered by other insurance policies. You can be reimbursed for the repair or replacement costs, up to $800 per claim, with a $50 deductible. You can make a maximum of two claims per 12-month period.
To know the benefits of a specific card, you can call American Express customer service at (800) 528-4800 or check the American Express website for more details.
