Does the Hilton Honors Credit Card offer cell phone insurance?

The Hilton Credit Card benefits include rental car insurance, purchase protection, extended warranty, and a Global Assist Hotline. The Hilton Credit Card also offers access to exclusive experiences and presale tickets for events, along with complimentary Hilton Honors Silver status.

Here are the Hilton Credit Card benefits:

• Rental car insurance: Covers up to $50,000 in damage or theft for rentals of up to 30 days paid for with your Hilton Credit Card. This benefit applies when you decline the coverage offered by the car rental company. This product provides secondary coverage and does not include liability coverage. Keep in mind that not all vehicle types or rentals are covered and geographic restrictions also apply.... read full answer
• Purchase protection: Pays up to $1,000 per item and $50,000 per card each calendar year for items that are damaged, lost, or stolen within 90 days of being purchased.
• Extended warranty: Adds up to one additional year to the original manufacturer’s warranty on items purchased with your Hilton Credit Card. The original warranty must be five years or less. The total coverage from Amex caps out at $10,000 per item and up to $50,000 per card each calendar year.
• Global Assist Hotline: Offers 24/7 access to free information useful for trip planning, managing situations like lost bags, and getting referrals to medical and legal help while traveling more than 100 miles away from home. While calling the Hotline is free, third-party service costs may be your responsibility.
• Experiences: Cardholders get the opportunity to attend exclusive events and access presale tickets for concerts, sporting events, the theater, and more.
• Silver status: Free Silver status in the Hilton Honors loyalty program, which provides perks like a 20% bonus on points earned for stays, and a fifth night free when booking with points.

Along with these benefits, the Hilton Credit Card has a $0 annual fee and gives rewards on all purchases. As long as you have good credit, the Hilton Credit Card is certainly a card to consider adding to your wallet.

Insurance benefits disclosure: Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc. Insurance is underwritten by AMEX Assurance Company.

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:

1. Log in to the online Amex claims center.
2. Click "File a Claim."
3. Select your American Express card.
4. 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.
5. Choose the benefit you want to file a claim for from the "Find Your Benefits" menu.
6. 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.

Timeline

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.

The best credit cards with cell phone protection include the The Platinum Card® from American Express, the Chase Freedom Flex℠, the Ink Business Preferred® Credit Card, and all the Wells Fargo consumer credit cards. These cards offer up to 2-3 cell phone protection claims per year, along with other rewards.

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.

Best Credit Cards with Cell Phone Protection

Cell Phone Protection: Provides coverage for a stolen or damaged cell phone (subject to the terms, conditions, exclusions and limits of liability of this benefit). The maximum liability is up to $800 per claim per account or $1,600 per year*

Number of Claims and Charges: up to 2 claims per year with a $50 deductible per claim*

Initial Bonus: 80,000 points for spending $6,000 in the first 6 months

Ongoing Rewards: 5 points per $1 spent on flights booked with airlines or with American Express Travel (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked through Amex, and 1 point per $1 spent on all other purchases

Annual Fee: $695

Min. Credit Required: Good

Cell Phone Protection: up to $600 per claim or $1,200 per year

Number of Claims and Charges: up to 2 claims per year with a $25 deductible per claim

Initial Bonus: $200 cash rewards after spending $1,000 in the first 3 months

Ongoing Rewards: 2% cash rewards

Annual Fee: $0

Min. Credit Required: Good

Cell Phone Protection: up to $800 per claim or $1,000 per year

Number of Claims and Charges: up to 2 claims per year with a $50 deductible per claim

Initial Bonus: $200 for spending $500 in the first 3 months

Ongoing Rewards: 5% cash back on up to $1,500 spent per quarter in bonus categories (which change every quarter and require activation), 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1% back on all other purchases

Annual Fee: $0

Min. Credit Required: Good

Cell Phone Protection: up to $1,000 of complimentary cell phone insurance coverage

Number of Claims and Charges: up to 2 claims per year with a $25- $50 deductible per claim

Ongoing Rewards: 3 points on all eligible purchases for a year when you set up direct deposit with SoFi, after that 2 points per $1 spent on all purchases

Annual Fee: $0

Min. Credit Required: Good

Cell Phone Protection: Provides coverage for a stolen or damaged cell phone (subject to the terms, conditions, exclusions and limits of liability of this benefit). The maximum liability is up to $800 per claim per account or $1,600 per year*

Number of Claims and Charges: up to 2 claims per year with a $50 deductible per claim*

Initial Bonus: 50,000 miles after spending $3,000 in the first 6 months

Ongoing Rewards: 3 miles per $1 spent with Delta, 3 miles per $1 on purchases made directly with hotels, 2 miles per $1 at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets, as well as 1 mile per $1 on all other purchases

Annual Fee: $250

Min. Credit Required: Good

Cell Phone Protection: up to $600 per claim or $1,800 per year

Number of Claims and Charges: up to 3 claims per year with a $100 deductible per claim

Initial Bonus: 100,000 points for spending $15,000 in the first 3 months

Ongoing Rewards: 3 points per $1 on the first $150,000 spent per year on travel and select business expenses, and 1 point per $1 on all other purchases

Annual Fee: $95

Min. Credit Required: Good

It’s important to note that 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.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.