Jane Dotson
American Express (Amex) offers cell phone protection insurance on some of its premium cards, including the Platinum card. This insurance covers the cost of repairing or replacing a stolen or damaged eligible cell phone, including cracked screens, up to a limit of $800 per claim. The Platinum card also offers travel insurance, covering cancellation, interruption, delay, baggage, and car rentals. Amex's cell phone protection is provided by the New Hampshire Insurance Company, an AIG Company, and is subject to terms, conditions, and exclusions.
| Characteristics | Values |
|---|---|
| Coverage | Up to $800 per claim for damage and theft |
| Maximum of 2 claims per 12-month period | |
| Each claim has a $50 deductible | |
| Coverage begins the first day of the month after you pay your first wireless bill | |
| Coverage is provided by New Hampshire Insurance Company, an AIG Company | |
| Coverage is at no additional cost to Card Membership | |
| Coverage is subject to certain terms, conditions, and limitations, including limitations on the amount of coverage | |
| Coverage is excess of any other applicable insurance or indemnity available to you | |
| Coverage is limited only to those amounts not covered by any other insurance or indemnity | |
| Coverage is not provided for cellular wireless accessories, except for the manufacturer’s battery and antenna | |
| Coverage is not provided for cellular wireless telephones that are for resale, professional, or commercial use (consumer cards only) | |
| Coverage is not provided for replacement cell phones purchased from other than the cellular provider’s retail/internet store or designated agent having the authorization to activate the phone | |
| Coverage is not provided for lost phones or all types of damage | |
| Coverage includes Smartphone Screen Cover, which provides cover for up to $500 when you pay for your smartphone with your Platinum Card, either outright or on a monthly contract | |
| Coverage is provided for you, your spouse and your dependent children, Additional Cardholders, their spouse and dependent children when you pay for a return trip with your Platinum Card or Membership Rewards Points | |
| Coverage includes travel insurance for cancellation, interruption, delay, baggage and car rentals |
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What You'll Learn
- Amex's Platinum card offers smartphone screen insurance
- Coverage is provided by New Hampshire Insurance Company, an AIG Company
- Coverage includes reimbursement for repair or replacement of stolen or damaged phones
- Coverage is complimentary and no enrollment is required
- Amex's cell phone protection does not cover lost phones
Amex's Platinum card offers smartphone screen insurance
American Express, or Amex, offers smartphone screen insurance for its Platinum Card members. This insurance is provided by the New Hampshire Insurance Company, an AIG Company, at no additional cost to the card membership.
The smartphone screen insurance provides cover for up to $500 when you pay for your smartphone with your Platinum Card, either outright or on a monthly contract. You can be reimbursed for the cost of the screen repair for up to $500 for two events per year. A 10% excess applies to the claimed amount, and waiting periods may apply.
To be eligible for the cover, you must ensure that you purchase your smartphone or pay your monthly smartphone contract with your Platinum Card. Smartphones purchased new more than three years before the claim event are not eligible for cover.
The insurance is subject to terms, conditions, and exclusions, including maximum age limits, pre-existing medical conditions, and cover limits. It is important to review the full American Express Platinum Card Insurance Terms and Conditions to understand the coverage and whether it is right for you.
In addition to smartphone screen insurance, the Amex Platinum Card offers other benefits such as exclusive reservations, special dining experiences, and access to airport lounges.
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Coverage is provided by New Hampshire Insurance Company, an AIG Company
Amex does offer cell phone protection insurance on many of its best US consumer and small business travel credit cards. This includes the Amex Platinum and co-branded credit cards like the Delta Skymiles Platinum Card. This insurance is provided by the New Hampshire Insurance Company, an AIG Company, at no additional cost to card membership. Coverage is subject to certain terms, conditions, and limitations, including limitations on the amount of coverage. Coverage is limited only to those amounts not covered by any other insurance or indemnity.
The New Hampshire Insurance Company provides coverage of up to $800 per claim for damage and theft, with a maximum of two claims per 12-month period. Each claim has a $50 deductible. To activate this coverage, cardholders must pay their monthly wireless bill with their eligible Amex card. The coverage begins the first day of the month after the first wireless bill payment.
The Amex Platinum card's travel insurance covers cancellation, interruption, delay, baggage, and car rentals. It also includes smartphone screen cover, which provides cover for up to $500 when you pay for your smartphone with your Platinum Card, either outright or on a monthly contract. You can be reimbursed for the cost of the screen repair for up to $500 for two events per year. A 10% excess applies to the claimed amount.
It is important to note that Amex cell phone protection does not cover lost phones or all types of damage. Additionally, there may be waiting periods for claims, and some exclusions and limitations may apply. Cardholders should carefully review the terms and conditions of their Amex Platinum Card Insurance to understand the coverage provided by the New Hampshire Insurance Company, an AIG Company.
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Coverage includes reimbursement for repair or replacement of stolen or damaged phones
American Express (Amex) does offer insurance on phone products, including reimbursement for repair or replacement of stolen or damaged phones. This coverage is provided by the New Hampshire Insurance Company, an AIG Company, at no additional cost to card membership. However, it is important to note that this coverage is subject to certain terms, conditions, and limitations, including limitations on the amount of coverage.
The Amex cell phone protection plan provides coverage of up to $800 per claim for damage and theft, with a maximum of two claims per 12-month period. Each claim has a $50 deductible. To activate this coverage, cardholders must pay their monthly wireless bill using their eligible Amex card. The coverage begins the first day of the month after the first wireless bill payment is made.
For damaged phones, Amex requires documentation such as a repair estimate and photos of the damage. In the case of a stolen phone, a police report must be submitted along with the claim. It is important to note that there is a 120-day deadline from the date of loss to submit the required information for the claim to be processed efficiently.
Additionally, Amex's smartphone insurance is subject to specific terms, conditions, and exclusions. For example, smartphones purchased new more than three years before the claim event are not eligible for cover. It is recommended that cardholders carefully review the American Express Platinum Card Insurance Terms and Conditions to understand the coverage provided and any applicable exclusions.
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Coverage is complimentary and no enrollment is required
American Express (Amex) offers complimentary cell phone protection insurance on many of its best US consumer and small business travel credit cards, including the Amex Platinum card and the Delta Skymiles Platinum Card. This insurance covers eligible cell phones on the plan, not just the primary card member's phone.
Amex's cell phone protection covers the reimbursement of the replacement value of a stolen phone or the cost of repairing damage to a cell phone. This includes cracked screens. Coverage is provided by the New Hampshire Insurance Company, an AIG Company, at no additional cost to card membership. Coverage is subject to certain terms, conditions, and limitations, including limitations on the amount of coverage. Coverage is limited only to those amounts not covered by any other insurance or indemnity.
To activate Amex cell phone protection, you must pay your monthly wireless bill with your eligible card. Coverage begins the first day of the month after you pay your first wireless bill. Coverage is up to $800 per claim for damage and theft, with a maximum of two claims per 12-month period. Each claim has a $50 deductible.
It is important to note that Amex cell phone protection does not cover lost phones or all types of damage. Additionally, there may be waiting periods for claims, and some terms, conditions, and exclusions will apply.
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Amex's cell phone protection does not cover lost phones
American Express, or Amex, offers cell phone protection on its most premium cards. This includes the Business Centurion Card, the Business Platinum Card, the Delta SkyMiles Reserve Business Card, and the Delta SkyMiles Platinum Business Card.
Amex's cell phone protection provides reimbursement for the cost of repairing or replacing a stolen or damaged eligible cell phone, up to a coverage limit of $800 per claim. Each claim is subject to a $50 deductible, with a maximum of two claims per eligible card account in a 12-month period.
While Amex's cell phone protection offers comprehensive coverage, it is important to note that it does not cover lost phones. This means that if you misplace your phone or leave it somewhere and cannot retrieve it, Amex's protection plan will not reimburse you for the cost of replacing it.
Additionally, Amex's cell phone protection has several other exclusions and limitations. For example, it does not cover cellular wireless accessories, except for the manufacturer's battery and antenna. It also does not cover replacement cell phones purchased from unauthorized retailers or sources. Furthermore, Amex's protection is provided by the New Hampshire Insurance Company, an AIG Company, and is subject to the terms, conditions, and limitations of the policy, including limitations on the amount of coverage.
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Frequently asked questions
Yes, Amex offers cell phone protection on its most premium cards. This includes the Platinum card, the Marriott Bonvoy Brilliant card, and some co-branded credit cards like the Delta Skymiles Platinum card.
Amex phone insurance covers the replacement value of a stolen phone or the cost of repairing damage to a cell phone. This includes cracked screens. The coverage is up to \$800 per claim, with a maximum of two claims per 12-month period. Each claim has a \$50 deductible.
To activate Amex cell phone protection, you must pay your monthly wireless bill with your eligible card. The coverage begins the first day of the month after you pay your first wireless bill.
If you have a covered loss, you must report the claim as soon as possible. You will need to gather and submit supporting documentation, which may include a copy of any other insurance that would apply, a copy of a claim report from your home or auto insurance, or declaration pages showing policy deductibles. For a theft claim, you will need to submit a police report. For a damage claim, you will need a repair estimate and photos of the damage. You will have 120 days from the date of loss to submit the required information.
