American Express is adding cell phone protection plans to premium cards including coverage for cracked screens

By: Shmuel Edeltuch

American Express is set to introduce an new benefit that would cover cell phone damage. This new benefit will be implemented on April 1, 2021.

The cell phone protection plan covers theft and damage to the device. Including coverage for a
cracked screen which most other cell phone protection plans offered by credit cards do not
include. Lost phones are not covered.

The plan will provide up to $800 per claim to cover the cost of repairing or replacing your phone,
with a $50 deductible. Claims are capped at twice a year. To be out of eligible to make a claim
the cellphone bill must be paid through an eligible American Express card, and the phone
cannot be leased (as part of a phone plan).

To file a claim, call the number on the back of your card. You’ll need to provide documentation
within 120 days of the loss, which may include:

Your Eligible Card Account statement reflecting the monthly Eligible Cellular Wireless
Telephone payments for the
month preceding the date the Eligible Cellular Wireless Telephone was Stolen or suffered
damage;

• A copy of your current Eligible Cellular Wireless Telephone service provider’s billing statement;
• Copy of the original Eligible Cellular Wireless Telephone purchase receipt or other sufficient
proof of the Eligible Cellular Wireless Telephone model currently linked to the Eligible Person’s
Eligible Cellular Wireless Telephone
account
• Copy of the insurance claim to the Eligible Person’s homeowner’s, renter’s or personal
automobile insurance or any applicable cellular telephone insurance, or in the event that the
claim amount is less than the Eligible Person’s
deductible, a copy of the policy’s declarations page;
• If a claim is due to damage, a copy of the repair estimate and photos of the damage;
• If the claim is due to theft, a copy of the police report filed within 48 hours of the theft; and
• Any other documentation or information reasonably requested by us to support the claim.

The following cards include coverage
● Centurion Card from American Express
● Platinum Card from American Express
● Delta Reserve Credit Card
● Platinum Delta SkyMiles Credit Card
● Business Centurion Card from American Express
● Business Platinum Card
● Delta Reserve for Business Credit Card
● Platinum Delta SkyMiles Business Credit Card
● The American Express Platinum Card for Schwab
● The Platinum Card from
● American Express for Goldman Sachs
● The Platinum Card from
● American Express for Morgan Stanley
● The Platinum Card from
● American Express for Ameriprise Financial