To move forward, I needed to reply to the email with the following information for AIG: Within about five minutes, I had an email from AIG Claims – the company that handles this coverage for American Express – with a claim number and all of the instructions on what I needed to do to proceed with my claim. Within a few minutes, the American Express representative confirmed that I should be eligible for insurance coverage and started a claim for me. After reading through the terms of the cell phone insurance coverage, I called the number on the back of my card.
Spoiler alert: I was impressed.įiling A Phone Insurance Claim with American ExpressĪfter my father-in-law's phone shattered and broke, I remembered I had switched my phone bill to my Business Platinum Card for just this reason. But what is the experience like in practice? Do they make you jump through a crazy amount of hoops to get compensated? When my father-in-law dropped his cell phone and the screen shattered last month, we had a chance to give this new coverage a try since I pay our joint phone bill on my Business Platinum Card® from American Express.
Coverage is limited to two claims per Eligible Card Account per 12-month period. Each claim is subject to a $50 deductible. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. Just by paying your wireless phone bill with one of these cards, you'll be covered in the event of damage – including cracked screens or even if your phone is stolen.Īmerican Express will reimburse the cost of repair or replacement for up to two approved claims for a maximum of $800 per claim or $1,600 over a 12-month period. consumer and small business travel credit cards, from the top-of-the-line Platinum Card® from American Express to even some co-branded credit cards like the Delta SkyMiles® Platinum American Express Card. One such new benefit just helped my family save $350 after dropping and breaking a cell phone.īack in April, American Express added cell phone protection insurance to many of their best U.S. It's not always bad news when a bank makes changes to its credit card benefits. Enrollment may be required for select American Express benefits and offers. Terms apply to American Express benefits and offers.
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