Amex Phone Insurance: Everything you Need to Know

Amex phone insurance can be a lifesaver if you’re someone who relies on their phone for work, communication, and entertainment. American Express offers phone insurance for cardholders with various plans and coverage options, making it easy to choose the right one for your needs. This article will give you all the information you need to know about Amex phone insurance, including what it covers, how to file a claim, and how much it costs.

What is Amex Phone Insurance?

Amex phone insurance is a coverage plan that protects your phone against accidental damage, theft, and loss. It is available to cardholders through American Express and can cover up to two phones per account. There are multiple coverage options available, from basic plans to premium plans with additional benefits, such as extended warranties and tech support.

If you’re someone who relies heavily on your phone, Amex phone insurance can provide peace of mind knowing that you’re covered in case of an unfortunate event.

Coverage Options

There are different coverage options available when it comes to Amex phone insurance. The table below outlines the features and costs of each coverage option.

It’s important to note that these prices are subject to change, and you should always confirm the current rates with American Express before purchasing a plan.

What Does Amex Phone Insurance Cover?

The coverage you receive with Amex phone insurance will depend on the plan you choose. However, in general, the following types of incidents are covered under the insurance:

• Accidental damage, including drops and spills
• Theft
• Loss (with the Deluxe and Premium plans)
• Damage from fire, flood, or other disasters (with the Premium plan)
• Malfunction due to a mechanical or electrical issue (with the Premium plan)

It’s important to note that intentional damage, fraud, and normal wear and tear are not covered under Amex phone insurance. Additionally, if your phone is lost or stolen, you must report it to the police within 48 hours to be eligible for coverage.

How to File a Claim

If you need to file a claim with Amex phone insurance, the process is relatively straightforward. Here are the steps you should follow:

1. Report the incident to American Express within 60 days of the incident.
2. Complete the claim form, which is available online through your Amex account.
3. Provide supporting documentation, such as a police report or repair estimate.
4. Wait for the claim to be processed, which can take up to 10 business days.
5. If your claim is approved, you will receive a replacement phone or reimbursement for the cost of the repairs.

FAQ

Here are some frequently asked questions about Amex phone insurance:

Is there a deductible?

Yes, there is a deductible for each claim you make. The amount of the deductible depends on the plan you choose and the value of your phone.

Can I cancel my coverage at any time?

Yes, you can cancel your coverage at any time. However, it’s important to note that you will not receive a refund for any unused portion of your coverage period.

Can I cover more than two phones?

No, Amex phone insurance only covers up to two phones per account.

What types of phones are covered?

Amex phone insurance covers most smartphones, including iPhones and Android devices. However, there are some exclusions, such as refurbished phones and phones that were not purchased in the United States.

Does Amex phone insurance cover international incidents?

Yes, Amex phone insurance covers incidents that occur both in the United States and internationally. However, you will need to provide documentation of the incident, such as a police report, regardless of where it occurred.

Conclusion

If you’re someone who relies heavily on their phone, Amex phone insurance can provide peace of mind knowing that you’re covered in case of an unfortunate event. With multiple coverage options and reasonable prices, Amex phone insurance can be a smart investment for anyone with a smartphone.