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AmEx Cell Phone Protection vs AppleCare+: Complete Guide 2024
Your smartphone is likely one of your most valuable possessions, making protection against damage or theft crucial. While insurance might not be the most exciting topic, understanding your coverage options can save you hundreds of dollars in unexpected repairs or replacement costs.
What Is AmEx Cell Phone Protection?
American Express offers complimentary cell phone protection on select premium cards, covering damage and theft for your mobile device. This valuable benefit activates automatically when you pay your monthly wireless carrier bill with an eligible AmEx card, providing peace of mind without additional costs.
Eligible AmEx Cards With Cell Phone Protection
Not all American Express cards include cell phone protection. This premium benefit is exclusively available on the following cards:
- The Platinum Card® from American Express ($695 annual fee)
- American Express® Business Gold Card ($375 annual fee)
- The Business Platinum Card® from American Express ($695 annual fee)
- Delta SkyMiles® Platinum American Express Card ($350 annual fee)
- Delta SkyMiles® Reserve American Express Card ($650 annual fee)
- Delta SkyMiles® Platinum Business American Express Card ($350 annual fee)
- Delta SkyMiles® Reserve Business American Express Card ($650 annual fee)
- Marriott Bonvoy Brilliant® American Express® Card ($650 annual fee)
- Hilton Honors American Express Aspire Card ($550 annual fee)
Understanding AmEx Cell Phone Protection Coverage
Coverage Limits and Deductibles
AmEx's wireless phone protection offers:
- Up to $800 per claim
- Maximum 2 claims per 12-month period
- $50 deductible per claim
- Coverage begins the first day of the calendar month following your wireless bill payment
What's Covered
- Accidental damage (including screen repairs)
- Theft (when reported to police within 48 hours)
- Battery replacement when part of a covered repair
- Device repairs through authorized service providers
What's Not Covered
- Lost phones
- Cosmetic damage
- Cellular wireless accessories (except battery and antenna)
- Phones for resale or commercial use
- Prepaid or borrowed phones
- Normal wear and tear
- Manufacturer defects covered by warranty
AppleCare+ Coverage Options and Benefits
Standard AppleCare+
- Unlimited repairs for accidental damage
- Screen or back glass repairs: $29 deductible
- Other damage: $99 deductible
- Battery replacement included
- 24/7 priority customer support
- Next-day delivery for replacements
- Coverage for out-of-warranty malfunction claims
AppleCare+ With Theft and Loss
Includes all standard AppleCare+ benefits plus:
- Coverage for lost or stolen devices
- Up to 2 theft or loss claims every 24 months
- $149 deductible for theft/loss claims
- Security software for device recovery
- Total equipment coverage
Comparing Costs: AmEx vs AppleCare+
AmEx Protection Costs
- $0 additional cost (included with eligible cards)
- $50 deductible per claim
- Maximum coverage: $800 per claim
AppleCare+ Costs
- Monthly payment program available
- 2-year coverage options
- Basic AppleCare+: $149-$199
- AppleCare+ with Theft and Loss: $179-$269
Making The Right Choice For Your Needs
Consider these factors when choosing between AmEx protection and AppleCare+:
- Device value and iPhone upgrade program participation
- History of losing devices
- Preference for unlimited repairs vs claim limits
- Need for extended warranty benefits
- Multidevice plans requirements
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Our Expert Takeaway
For most users, AmEx cell phone protection provides sufficient coverage for common incidents like screen repairs and theft. However, if you frequently upgrade your iPhone or have concerns about loss, combining AmEx's coverage with AppleCare+ might offer the most comprehensive protection for your needs.
Frequently Asked Questions
How does AmEx cell phone protection work?
Pay your monthly wireless bill with an eligible AmEx card to activate coverage automatically. Protection begins the first day of the following month.
What's the deductible for AmEx phone protection?
There's a $50 deductible per claim, with coverage up to $800 per claim and two claims allowed per 12-month period.
Does AmEx cover lost phones?
No, AmEx cell phone protection doesn't cover lost phones. For loss coverage, consider AppleCare+ with Theft and Loss or wireless carrier insurance options like AT&T Protect Advantage or T-Mobile Protection 360.
Can I combine AmEx protection with other insurance?
Yes, but AmEx's coverage is secondary to manufacturer warranties and other insurance policies, including basic device protection plans.
Where can I get my phone repaired under AmEx protection?
You can use authorized repair providers, including Apple Stores, uBreakiFix stores, and Asurion Tech Repair and Solutions locations.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
