The Amex Gold card does not offer cell phone insurance. Cell phone insurance on other cards reimburses the cost of repairing or replacing a damaged or stolen phone if a cardholder regularly pays the phone bill with the card, though it’s not a benefit commonly offered by credit card issuers.
Amex Gold card purchase protection covers the damage or theft of eligible purchases for up to 90 days after the purchase date. Purchase protection will reimburse Amex Gold card cardholders for up to $10,000 per covered purchase and up to $50,000 for all covered incidents per cardholder during a calendar year.
How to File a Purchase Protection Claim with the Amex Gold card… read full answer
Call the Benefit Administrator within 30 days of the incident at 1-800-228-6855 or the number in your card’s benefits guide.
File a police report within 48 hours of the incident, if the item was stolen.
Submit a completed claim form within 60 days after you receive the form.
Wait for a decision. American Express will notify you of a decision once your claim has been processed. This could take American Express up to 30 days.
Get reimbursed for the cost of repairing or replacing the item, if your claim is validated by the Benefit Administrator.
Be aware that not all items are covered by the Amex Gold card purchase protection benefit. To see which items are covered by this perk, check the guide to benefits that came with your card.
To file American Express claims, log in to the online Amex claims center and click "File a Claim." Next, select your American Express card, find the benefit you want to file a claim for in the "Find Your Benefits" menu, and click "Continue" to start filling out a claim form.
You can also start the process to file American Express claims over the phone. You’ll need to look at your card’s benefits guide to find the number, since it will differ based on the benefit. After you call, Amex will mail you a claim form, which you’ll have to return with any supplemental information.
Here's how to file American Express claims for benefits online:
Enter your date of purchase at the bottom of the page if needed. This is required for purchase protection, return protection, and extended warranty claims. For baggage insurance plan claims, simply enter the date of the trip. If you have more than one item to claim, just enter the first one and you'll have the opportunity to add more at a later stage.
Choose the benefit you want to file a claim for from the "Find Your Benefits" menu.
Click "Continue" and fill out the claims form while providing the required documentation.
Depending on the benefit, different information will be required for different American Express claims. For example, purchase protection will ask for the type of item that was damaged or stolen and the date the incident happened, whereas rental car insurance will ask for a description of the incident and the time period of the rental. For each type of claim, you’ll also need to add certain requested supplemental information, such as receipts, police reports, damage estimates and more.
Depending on the benefit, you’ll have different amounts of time to file American Express claims. For example, trip delay insurance requires you to notify Amex of your intention to file a claim within 60 days of the incident and provide all requested information within 180 days. For return protection, you’ll need to provide a notification within 90 days and then submit supplemental information within 30 days after that. Be sure to read your card’s benefits guide for the full details.
Benefits disclosure: Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance - underwritten by New Hampshire Insurance Company, an AIG Company. All other insurance benefits mentioned here - underwritten by AMEX Assurance Company. Car Rental Loss or Damage is offered through American Express Travel Related Services Company, Inc.
Cell phone insurance isn’t commonly offered by major credit cards, but it’s certainly a welcome perk. Cell phones don’t come cheap, and some credit cards offer up to $1,000 in reimbursement for a stolen or damaged phone.… read full answer
Just remember that all credit cards with cell phone protection have the same rule: You must continuously pay your cell phone bill with the credit card, or else your phone won’t get coverage. To make sure your phone is covered, it’s best to set up automatic monthly phone-bill payments with your card as the payment method.
Here are some good credit cards with cell phone protection:
Citi Prestige: Cell phone protection up to $1,000 per claim or $1,500 per year; limit of 2 claims per year; $50 deductible.
IHG Premier: Cell phone protection up to $800 per claim or $1,000 per year; limit of 2 claims per year; $50 deductible.
None of these credit cards cover phones that are lost, as opposed to stolen. Some cards also have specific stipulations for what is and is not covered. So, make sure you’re up to speed on your card’s specific rules.
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