Jane Dotson
Wells Fargo offers cell phone insurance to its customers, covering cardholders for up to $600 for a stolen or damaged cell phone. This insurance is available to customers who pay their phone bill using a Wells Fargo credit card. The maximum protection coverage amount is $1,200 per year, as customers can file up to two claims annually. To register a phone with Wells Fargo insurance, customers can call (800) 316-8051 within 60 days of a covered incident to request a claim form.
| Characteristics | Values |
|---|---|
| Cardholder eligibility | Pay your cell phone bill using a Wells Fargo Cash Wise card |
| Coverage | Up to $600 for a stolen or damaged cell phone |
| Maximum coverage | $1,200 per year, with a maximum of two claims annually |
| Deductible | $25 per claim |
| Claim process | Call (800) 316-8051 within 60 days of a covered incident to request a claim form; return the signed claim form within 120 days of the incident |
| Required documents | Copy of cell phone billing statement, any claims made through primary insurance providers, and a police report (if applicable) |
| Online claim process | Access the Claim Filing & Registration page and verify your card by entering your email address and card number |
| Coverage conditions | Coverage is supplemental to other valid and collectible insurance or indemnity policies, including homeowner's, renter's, automobile, or employer's insurance |
| Exclusions | Tablets, smartwatches, or any other device on your wireless bill or connected to a cellular service other than a wireless telephone are not covered |
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What You'll Learn
Wells Fargo Cash Wise Visa® card offers up to $600 in coverage
Wells Fargo offers its customers a range of benefits, including cell phone insurance. The Wells Fargo Cash Wise Visa® card offers up to $600 in coverage for cell phone protection against damage or theft, with a $25 deductible per claim. This benefit is available for both new and existing customers.
For new applicants, the Wells Fargo Cash Wise Visa® card offers a $150 cash bonus for spending $500 within the first three months of opening an account. This is a limited-time offer, but even without it, the card is still a good option for earning cash back. The card earns 1.5% cash back on purchases, which can be earned as an account credit when shopping, dining, or on other experiences when using an eligible Wells Fargo credit card.
For existing customers, the process of filing a claim for cell phone insurance is straightforward. To initiate a claim, it is recommended to start online, as this will save you time. You can visit https://mycardbenefits.assurant.com to begin the process. You will need to provide documentation to support your claim, including a copy of your wireless bill demonstrating that the entire monthly payment was made before the date of damage or theft, and that it was paid with your Wells Fargo Cash Wise Visa® card. You will also need to provide a copy of your monthly billing statement and a copy of the itemized sales receipt.
In addition to the cell phone insurance benefit, the Wells Fargo Cash Wise Visa® card also offers pre-trip assistance, providing customers with information on their travel destination, such as ATM locations, currency exchange rates, weather reports, health precautions, necessary immunizations, and required passport visas. This benefit is provided at no additional cost to eligible cardholders.
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Coverage for stolen or damaged phones
Wells Fargo's Cellular Telephone Protection provides coverage for stolen or damaged phones. This coverage is available for eligible Wells Fargo credit cardholders who pay their monthly phone bill with their Wells Fargo credit card. The protection offers up to $575 or $600 reimbursement for damage or theft, depending on the source. Coverage starts the month following the first phone bill payment with a Wells Fargo credit card, and cardholders can make up to two claims in a 12-month period as long as they continue to pay their phone bill with the card.
It is important to note that the coverage is supplemental to other insurance policies, such as homeowner's, renter's, automobile, or employer's insurance. Wells Fargo's protection will kick in after these other insurance policies have been utilized. Additionally, there are specific scenarios outlined by Wells Fargo that are not covered by their Cellular Phone Protection. These include cellular wireless telephones under the care and control of a common carrier, such as the US Postal Service or delivery services, and phones stolen from baggage unless they were hand-carried and under personal supervision.
To initiate a claim for a stolen or damaged phone, cardholders can call the number on the back of their Wells Fargo credit card. They will be directed to Card Benefit Services, a third party through which the claim will be filed. It is recommended to initiate the claim online to streamline the process, as it involves paperwork that needs to be filled out, uploaded, and submitted electronically or via mail. Wells Fargo may require that the damaged phone be submitted for evaluation and/or salvage as part of the claim review process, so it is important to not discard the device until the claim has been fully reviewed.
While Wells Fargo's Cellular Telephone Protection provides peace of mind for eligible cardholders, it is important to carefully review the terms and conditions of the coverage before relying on it. For example, a cracked phone screen may not be eligible for a claim if the phone can still be used to make calls. Additionally, claims must be approved by a Wells Fargo Benefits Administrator, and there may be a deductible of around $25 associated with the claim, depending on the card and the claim.
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File a claim online or by post
To file a claim online, you will first need to verify your card by entering your email address and card number. You will then be required to fill out a benefit claim form online and upload it to the claims website. You may also need to include other requested documents, such as a copy of your cell phone billing statement, any claims you made through primary insurance providers, and a police report if applicable.
To file a claim by post, you will need to call (800) 316-8051 within 60 days of a covered incident to ask for a claim form. You will then need to fill out the form and return the signed claim form within 120 days of the incident, along with any other requested documents.
It is important to note that Wells Fargo cell phone insurance covers cardholders for up to $600 for a stolen or damaged cell phone, with a maximum protection coverage amount of $1,200 per year, as you can file up to two claims annually. There is also a $25 deductible per claim.
Additionally, if your phone is damaged, do not discard it until the claim has been fully reviewed. Wells Fargo may require you to submit your phone for evaluation and/or salvage.
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Card Benefit Services handle claims
Wells Fargo offers cell phone insurance for several of its credit cards. If your card qualifies, you can call the number on the back to initiate the claims process. You will eventually be transferred to a third party, Card Benefit Services, through which you will file your claim.
Card Benefit Services is a third-party company that handles claims for Wells Fargo's cell phone insurance. When you call the number on the back of your card, you will be transferred to Card Benefit Services, and they will guide you through the claims process. They will likely ask you for information such as your card number, the date of the incident, and a description of what happened. They may also ask for documentation to support your claim, such as a police report or repair estimate.
It is recommended that you initiate your claim online through the Card Benefit Services website, as it will save you time and effort compared to doing it over the phone. You will need to fill out a benefit claim form, which you can do online or by hand, and submit it to the claims website or send it to a provided email address. You will also need to provide documentation to support your claim, such as a copy of your wireless bill showing that you paid for the entire monthly payment for the month prior to the date of damage, theft, or loss.
It is important to note that there is no limit to the number of phones under one plan that are eligible for coverage when you pay your bill with a qualifying Wells Fargo credit card. The coverage provides up to $600 against damage or theft, with a deductible of $25. This can be extremely valuable, especially if you are leasing a phone and paying extra for insurance through your cellular carrier.
In addition to cell phone insurance, Wells Fargo also offers other benefits and protections for its credit cards, such as emergency card replacement, ID theft protection, and auto rental collision damage waivers. It is always a good idea to review the benefits and protections offered by your credit card company to take full advantage of the services provided.
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Coverage is supplemental to other insurance
Wells Fargo offers a range of credit cards that provide various benefits, including cell phone protection and rental car coverage. The cell phone protection benefit covers damage or theft up to a certain amount, while the rental car coverage provides reimbursement in the event of an accident or theft while renting a car.
When it comes to coverage being supplemental to other insurance, Wells Fargo's policies state that their coverage is "supplemental and excess of valid and collectible insurance or indemnity." This means that if you have another insurance policy in place, the Wells Fargo coverage will only apply to the amount that your other policies do not cover. In other words, it acts as a secondary form of insurance.
For example, let's say you have a Wells Fargo credit card with cell phone protection and you accidentally damage your phone. If you already have device insurance through your mobile carrier, Wells Fargo's coverage will supplement that insurance. It will cover any amounts that your primary insurance does not, such as deductibles or amounts above your coverage limit. This ensures that you are not left with a large bill that your primary insurance doesn't fully cover.
Similarly, if you have rental car coverage through Wells Fargo and you rent a car, their coverage will be supplemental to your personal auto insurance policy. If you are in an accident or experience theft of the rental car, your personal auto insurance would be the primary coverage, and Wells Fargo's coverage would fill in any gaps, such as deductibles or amounts beyond your policy limits.
It's important to note that Wells Fargo's coverage is not a replacement for your primary insurance policies. It is designed to provide additional protection and peace of mind, ensuring that you are not left with unexpected out-of-pocket expenses. Be sure to carefully review the terms and conditions of your Wells Fargo credit card and its associated benefits to fully understand what is covered and what steps to take in the event of a claim.
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Frequently asked questions
Wells Fargo offers cell phone insurance for cardholders who pay their phone bill using a Wells Fargo consumer credit card. The insurance covers up to $600 for a stolen or damaged cell phone, with a maximum coverage of $1,200 per year as you can file up to two claims annually.
To register your phone for Wells Fargo insurance, you must pay your cell phone bill using a qualifying Wells Fargo credit card. There is no limit on the number of phones under one plan that are eligible for coverage.
If your phone is damaged or stolen, you can start a claim by calling (800) 316-8051 within 60 days of the incident. You will need to fill out a claim form and provide other requested documents, such as a copy of your cell phone billing statement and a police report if applicable.
Several Wells Fargo credit cards offer cell phone protection, including the Wells Fargo Cash Wise Visa® Card, the Wells Fargo Platinum Card, and the Wells Fargo Visa Signature® Card.
Yes, if you have another insurance policy, the Wells Fargo cell phone insurance will only cover the amount that your other policy does not. You may also have to pay deductibles under your other insurance policies.
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