American Express Cell Phone Insurance: Everything You Need to Know

Having a mobile phone has become a necessity in today’s world. We use our phones for communicating, staying connected on social media, browsing the internet, and even for entertainment. And with the increasing dependency on mobile phones, the cost of repairing or replacing them has also gone up. This is where cell phone insurance comes in handy, especially if you have a high-end phone such as an iPhone or Samsung Galaxy. One such insurance is offered by American Express. In this article, we will discuss everything you need to know about the American Express cell phone insurance.

What is American Express Cell Phone Insurance?

American Express cell phone insurance is an added benefit that comes with certain American Express credit cards. It provides coverage for the damage or theft of your cell phone, subject to certain terms and conditions. The insurance policy is underwritten by a third-party insurance company, Asurion, and is available for eligible American Express cardholders at an additional cost.

Eligibility Requirements

Not all American Express cardholders are eligible for cell phone insurance. The coverage is available only for the following types of cards:

Moreover, you must use your American Express card to pay your monthly cell phone bill in order to be eligible for coverage.

Coverage Details

The American Express cell phone insurance provides coverage for the following incidents:

• Accidental damage
• Theft or loss

The coverage is limited to $800 per claim and $1,600 per 12-month period.

What is Covered

The American Express cell phone insurance covers the following damages:

• Cracked screens
• Accidental drops and spills
• Water damage
• Theft or loss

What is Not Covered

The following damages are not covered by the American Express cell phone insurance:

• Intentional damage
• Pre-existing conditions
• Mistreatment or abuse
• Manufacturer defects
• Accessories such as chargers and earphones
• Phones that are not in use as the primary device

How to File a Claim

If your cell phone is lost, stolen or damaged, you need to file a claim as soon as possible. You can file a claim with Asurion, the third-party insurance company that provides coverage for American Express cell phone insurance. You can file a claim in the following ways:

• Online: Visit Asurion’s website and file a claim online.
• Phone: Call Asurion’s toll-free number and file a claim over the phone.

You will need to provide the following information:

• Your American Express credit card number
• The make and model of your cell phone
• The date and time of the incident
• A detailed description of the incident
• A police report, in case of theft or loss

Once the claim is approved, you will receive a replacement phone or a reimbursement, depending on the terms of your policy.

FAQs

1. How much does American Express cell phone insurance cost?

The cost of American Express cell phone insurance depends on the type of card you have. Please check with American Express for more details.

2. How many claims can I file per year?

You can file a maximum of two claims per 12-month period, with a maximum coverage of $1,600.

3. Do I need to renew my policy every year?

No. The coverage is renewed automatically as long as you pay your monthly cell phone bill with your American Express card.

4. Can I cancel my policy?

Yes. You can cancel your policy at any time by contacting American Express.

5. Can I choose the type of replacement phone I receive?

It depends on the availability of the replacement phone. Asurion will provide you with a phone of similar make and model, but not necessarily the same color or storage capacity.

Conclusion

The American Express cell phone insurance is a valuable benefit for eligible American Express cardholders who want to protect their mobile phones from accidental damage or theft. However, it is important to read the terms and conditions carefully to understand the coverage, limitations, and exclusions. If you have any questions or concerns, contact American Express customer service for assistance.