Chip Lupo, Credit Card Writer
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Yes, the Wells Fargo Reflect card does offer cell phone insurance. The Wells Fargo Reflect card gives cardholders up to $600 per claim to repair or replace a damaged or stolen phone, if they charge their phone bill to the card every month.
The maximum coverage amount is $1,200 per year, and there is a $25 deductible. Wells Fargo Reflect cell phone protection does not cover rented, borrowed or prepaid phones. It doesn't cover lost phones, either.
How to Use Wells Fargo Reflect Cell Phone Protection
- Check if you have other applicable coverage. Wells Fargo only offers secondary cell phone insurance. You’ll have to exhaust any other coverage you might have before making a cell phone insurance claim with the Wells Fargo Reflect card.
- Notify the Benefit Administrator within 60 days of the incident by calling 1 (866) 804-4770. You can also open a claim online.
- Submit the required documents within 90 days of the incident. These documents include the completed signed claim form, your cell phone bill from the month before the damage showing payment with the eligible card, and any other requested documents.
- Wait for a decision. The Benefit Administrator will notify you as soon as your claim has been processed.
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