Does the Delta Gold Card offer cell phone insurance?

No, the Delta SkyMiles® Gold American Express Card does not have return protection coverage. Return protection is a benefit that offers reimbursement for undamaged, working items purchased with a credit card that cannot be returned to the merchant within a certain number of days of purchase. This benefit is becoming rarer as time goes on, however, as many issuers have dropped it to cut costs.... read full answer

If return protection is important to you, there are still a few good cards that offer it. They include the Delta SkyMiles® Reserve American Express Card, Marriott Bonvoy Brilliant® American Express® Card and Amex EveryDay® Preferred Credit 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:

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.

Some good credit cards with cell phone protection include the Citi Prestige® Card, the IHG® Rewards Premier Credit Card, the U.S. Bank Visa® Platinum Card, all Wells Fargo consumer credit cards, the Ink Business Preferred® Credit Card, and the First Citizens Rewards Visa® Card.

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.
• All Wells Fargo consumer credit cards: Cell phone protection up to $600 per claim or $1,200 per year; limit of 2 claims per year; $25 deductible.
• U.S. Bank Platinum: Cell phone protection up to $600 per claim or $1,200 per year; limit of 2 claims per year; $25 deductible.
• Chase Ink Preferred: Cell phone protection up to $600 per claim; limit of 3 claims per year; $100 deductible.
• First Citizens Rewards Visa® Card: Cell phone protection up to $500 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.