Alyssa Lane
The Amex Gold Card does not offer cell phone insurance. However, American Express is launching cell phone protection for 12 of its cards, including The Platinum Card, the Delta SkyMiles Reserve American Express Card, and the Centurion Card. This benefit will cover the cost of repairing or replacing a damaged or stolen phone, with a maximum of $800 per claim or $1,600 per 12-month period. To activate this protection, cardholders must pay their monthly wireless bill with their eligible card.
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What You'll Learn
Amex Gold Card does not offer cell phone insurance
The Amex Gold Card does not offer cell phone insurance. However, Amex's cell phone protection plan offers coverage for stolen or damaged eligible cellular wireless telephones, including cracked screens, for several other cards. This includes the American Express Business Gold Card, The Platinum Card from American Express, the Delta SkyMiles Reserve American Express Card, and several others. Coverage is provided by the New Hampshire Insurance Company, an AIG Company, and is subject to certain terms, conditions, exclusions, and limits of liability.
To activate Amex cell phone protection, cardholders must pay their monthly wireless bill with their eligible card. Coverage begins the first day of the month after the first wireless bill payment. Coverage limits are 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 cell phone insurance is not a benefit commonly offered by credit card issuers. However, some alternative credit cards that do offer cell phone protection include the Capital One Venture X card, Wells Fargo's consumer credit cards, and the Chase Freedom Flex Credit Card.
While the Amex Gold Card does not offer cell phone insurance, it does provide purchase protection for eligible purchases. This includes damage or theft coverage for up to 90 days from the purchase date.
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Cell phone insurance reimburses repair or replacement costs
The Amex Gold Card does not offer cell phone insurance. However, Amex does offer cell phone protection for several other cards, including the Platinum Card, the Delta SkyMiles Reserve American Express Card, the Marriott Bonvoy Brilliant American Express Card, the Business Platinum Card, and the Centurion Card. Coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800 per claim, with a $50 deductible, and a limit of two claims per eligible card account per 12-month period.
The process for filing a claim with Amex cell phone protection is straightforward. Cardholders can log in to the online Amex claims center, select their American Express card, find the benefit they want to file a claim for, and begin filling out the claim form. It is critical to file a claim and submit documentation promptly to get the claim processed efficiently. Once the claim is submitted, Amex will reimburse the repair or replacement cost, up to the coverage limit.
In addition to Amex, some other credit card companies that offer cell phone protection include Wells Fargo, Chase Freedom Flex, and Ink Business Premier. These cards offer up to 2-3 cell phone protection claims per year, along with other rewards. Cell phone insurance is not commonly offered by major credit card companies, but it can be a valuable perk for cardholders.
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Coverage is up to $800 per claim
The Amex Gold Card does not offer cell phone insurance. However, Amex does offer cell phone protection for eligible cards, which includes coverage for stolen or damaged cellular wireless telephones, subject to terms, conditions, exclusions, and limits of liability. Coverage is up to $800 per claim, with a maximum of two claims per eligible card account per 12-month period. Each claim is subject to a $50 deductible.
The eligible cards for Amex 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
- 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
The coverage provided by Amex's cell phone protection can be beneficial for individuals who frequently use their cell phones and are concerned about potential damage or theft. With a maximum liability of $800 per claim, Amex's cell phone protection can provide financial assistance in the event of unexpected costs arising from a damaged or stolen device.
To activate Amex cell phone protection, cardholders must pay their monthly wireless bill using their eligible card. The coverage typically begins on the first day of the month after paying the first wireless bill. It is important to note that Amex's cell phone protection has specific exclusions and limitations, and cardholders should carefully review the terms and conditions provided by American Express to understand the full extent of their coverage.
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Amex's cell phone protection plan covers stolen or damaged phones
American Express, or Amex, offers cell phone protection for damage or theft. This means that if you have an eligible Amex card and pay your monthly wireless bill with it, you can be reimbursed for the cost of repairing or replacing your cell phone. This coverage is provided by the New Hampshire Insurance Company, an AIG company, and is subject to certain terms, conditions, and limitations.
The Amex Gold Card, specifically, does not offer cell phone insurance as a benefit. However, it does provide purchase protection for eligible purchases in case of damage or theft for up to 90 days after the purchase date.
On the other hand, several other Amex cards do offer cell phone protection as a benefit. These include the Platinum Card from American Express, the Delta SkyMiles Reserve American Express Card, the Delta SkyMiles Platinum American Express Card, and the Business Platinum Card from American Express, among others. With these cards, you can receive coverage for a stolen or damaged eligible cellular wireless telephone, up to a maximum of $800 per claim and a maximum of two claims per eligible card account per 12-month period. Each claim is subject to a $50 deductible.
To activate Amex cell phone protection, you must pay your monthly wireless bill with your eligible card. The coverage typically begins the first day of the month after you pay your first wireless bill. It is important to note that there may be exclusions and limitations to the coverage, and it is always advisable to review the specific terms and conditions provided by Amex.
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Other cards that offer cell phone protection
The American Express Gold Card is not the only credit card that offers cell phone protection. Several other credit cards provide similar benefits, and in some cases, even higher coverage amounts. Here are some alternative credit cards that offer cell phone protection:
Capital One Venture X
The Capital One Venture X card offers cellphone coverage that includes reimbursement for theft or damage to your cellphone. This coverage is activated when you charge your monthly cellphone bills to the card. The Venture X card is a rewards credit card, allowing you to earn points on various purchases.
Choice Privileges® Mastercard®
The Choice Privileges® Mastercard® offers up to $800 in secondary coverage for damage or theft of your phone when you pay your monthly phone bill with the card. This card has a $25 deductible and a limit of two claims per 12 months. Additionally, it earns rewards on stays at participating Choice Privileges hotels and on qualifying everyday purchases, including phone plans.
Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card provides up to $600 in secondary coverage for damage or theft of your phone when you pay your monthly bill with the card. It has a $25 deductible and a limit of two claims per 12 months. This card also offers a competitive cash-back rate of 2% on all purchases, with no categories to track or spending limits.
Chase Business Cards
Chase offers several business credit cards that provide cell phone insurance, such as the Ink Business Cash card and cards with Ultimate Rewards points. These cards often include additional benefits like rental car insurance, purchase protection, and extended warranty coverage.
Amex Business Gold Card
The Amex Business Gold Card offers up to $1,600 in cell phone protection each year, including coverage for cosmetic damage like cracked screens. Cardmembers can make up to two claims per year, with each claim covering up to $800 in damages after a $50 deductible. To receive coverage, you must pay your monthly cell phone bill with this card.
These are just a few examples of credit cards that offer cell phone protection. Each card has its own terms, conditions, and limitations, so it's important to review the specific details of each card's benefits guide before making a decision.
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Frequently asked questions
No, the Amex Gold Card does not offer cell phone insurance. However, Amex Gold Card purchase protection covers damage or theft of eligible purchases for up to 90 days after the purchase date.
The following Amex cards offer cell phone insurance:
- 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 Goldman Sachs
- The Platinum Card® from American Express Exclusively for Morgan Stanley
Amex's cell phone protection plan offers coverage if your cell phone is stolen or damaged, including a cracked screen. You can be reimbursed for the repair or replacement costs for up to two approved claims, with a maximum of $800 per claim or $1,600 per 12-month period. Each claim has a $50 deductible.
