topic Re: Cell Phone Protection in Credit Cards

Cell Phone Protection

8Hunnid — Thu, 31 Oct 2019 20:39:42 GMT

With the changes in the Uber card, I want a different card with cell phone protection. Wells Fargo will never get my business. US Bank Platinum card is on my list, but that's for balance transfers. Fifth Third only covers $200. Deserve Pro was next, but I don't know much about it.

My searches haven't turned up anything bad outside of credit limit and them holding funds after payment. Has anyone used their coverage?

SL, SUB, and rewards don't matter, I just want the coverage

Re: Cell Phone Protection

Anonymous — Thu, 31 Oct 2019 21:06:10 GMT

Most of the coverage options are handeld by Asurion.

https://www.creditcards.com/credit-card-news/credit-card-cellphone-insurance.php This one has a table that's easy to compare them

https://www.cardratings.com/credit-card-cell-phone-protection.html This has some indepth comparisons/covergae info

Re: Cell Phone Protection

Anonymous — Fri, 01 Nov 2019 00:04:49 GMT

All world elite cards are supposed to have cell phone coverage. If you have one, you can check it out.

Re: Cell Phone Protection

Anonymous — Fri, 01 Nov 2019 00:39:03 GMT

@Anonymous wrote:
All world elite cards are supposed to have cell phone coverage. If you have one, you can check it out.

There are exceptions like Citi.

I personally wouldn't rely on the insurance that comes with a credit card. Most of the time it won't cover a flagship phone (the WEMC coverage is limited to $800 per incident with a 2 incident or $1K max per year), it's secondary to any other insurance you may have, may have deductibles, requires an estimate for the repair cost or a police report for theft, and obviously doesn't have the carrier behind them pushing them to approve claims.

Re: Cell Phone Protection

Anonymous — Fri, 01 Nov 2019 00:55:27 GMT

@Anonymous wrote:
@Anonymous wrote:
All world elite cards are supposed to have cell phone coverage. If you have one, you can check it out.
There are exceptions like Citi.

I personally wouldn't rely on the insurance that comes with a credit card. Most of the time it won't cover a flagship phone (the WEMC coverage is limited to $800 per incident with a 2 incident or $1K max per year), it's secondary to any other insurance you may have, may have deductibles, requires an estimate for the repair cost or a police report for theft, and obviously doesn't have the carrier behind them pushing them to approve claims.

The only thing I rely on is being very careful with my phone. I've never broken a phone and have dropped mine about 5 times in 20 years. That's the best cell insurance. The ones offered by your carrier are not much better. I'd never pay what they want for a plan that has a deductible.

Re: Cell Phone Protection

sunkissed — Fri, 01 Nov 2019 01:03:03 GMT

I have used the cell phone insurance offered on the Uber Visa card twice this year. My son shattered his screen (twice!!). Both times, the process was quick and easy. It is also fantastic that the deductible is only $25. Most of the other cards offering cell phone insurance have a $50 deductible.

I am searching for a replacement for my Uber Visa too. I don’t want to earn UberCash.

Re: Cell Phone Protection

Anonymous — Fri, 01 Nov 2019 01:05:39 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
All world elite cards are supposed to have cell phone coverage. If you have one, you can check it out.
There are exceptions like Citi.

I personally wouldn't rely on the insurance that comes with a credit card. Most of the time it won't cover a flagship phone (the WEMC coverage is limited to $800 per incident with a 2 incident or $1K max per year), it's secondary to any other insurance you may have, may have deductibles, requires an estimate for the repair cost or a police report for theft, and obviously doesn't have the carrier behind them pushing them to approve claims.
The only thing I rely on is being very careful with my phone. I've never broken a phone and have dropped mine about 5 times in 20 years. That's the best cell insurance. The ones offered by your carrier are not much better. I'd never pay what they want for a plan that has a deductible.

I've never broken a phone either but it's so much more convenient to make a call and have your phone replaced when something gets messed up and it's under warranty than filing a warranty claim and having to ship your phone off for two weeks or more. Given the option of being without my phone or paying for insurance to get the benefit of being able to get a working phone within 24 hours, I'll pay every time and I build the insurance cost into my expected purchase cost for the phone anyway.

I also tend to use perks like early upgrades. When I had T-Mobile, I upgraded my phone twice a year a few times and all it cost me to do it was the taxes.

Re: Cell Phone Protection

trant3 — Fri, 01 Nov 2019 01:14:10 GMT

@Anonymous wrote:
@Anonymous wrote:
All world elite cards are supposed to have cell phone coverage. If you have one, you can check it out.
There are exceptions like Citi.

I personally wouldn't rely on the insurance that comes with a credit card. Most of the time it won't cover a flagship phone (the WEMC coverage is limited to $800 per incident with a 2 incident or $1K max per year), it's secondary to any other insurance you may have, may have deductibles, requires an estimate for the repair cost or a police report for theft, and obviously doesn't have the carrier behind them pushing them to approve claims.

What's not to rely on? Its free insurance. $800 is better than $0 compensation for the phone. What claim doesnt require an estimate for damage or police report for theft?

Re: Cell Phone Protection

Anonymous — Fri, 01 Nov 2019 01:16:57 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
All world elite cards are supposed to have cell phone coverage. If you have one, you can check it out.
There are exceptions like Citi.

I personally wouldn't rely on the insurance that comes with a credit card. Most of the time it won't cover a flagship phone (the WEMC coverage is limited to $800 per incident with a 2 incident or $1K max per year), it's secondary to any other insurance you may have, may have deductibles, requires an estimate for the repair cost or a police report for theft, and obviously doesn't have the carrier behind them pushing them to approve claims.
The only thing I rely on is being very careful with my phone. I've never broken a phone and have dropped mine about 5 times in 20 years. That's the best cell insurance. The ones offered by your carrier are not much better. I'd never pay what they want for a plan that has a deductible.
I've never broken a phone either but it's so much more convenient to make a call and have your phone replaced when something gets messed up and it's under warranty than filing a warranty claim and having to ship your phone off for two weeks or more. Given the option of being without my phone or paying for insurance to get the benefit of being able to get a working phone within 24 hours, I'll pay every time and I build the insurance cost into my expected purchase cost for the phone anyway.

I also tend to use perks like early upgrades. When I had T-Mobile, I upgraded my phone twice a year a few times and all it cost me to do it was the taxes.

I use my tablet for this forum, and can use it to make calls and text. I'd have to tell folks it's me with an unknown number, but it's a backup.

People do use it and it works. The misconception is that it ONLY supplementary to homeowners insurance, but that doesn't apply when something happens to your phone at home.

I never had cell phone coverage and never will. Getting coverage for nothing is something I don't have a problem with.

Re: Cell Phone Protection

Anonymous — Fri, 01 Nov 2019 01:49:39 GMT

@trant3 wrote:
@Anonymous wrote:
@Anonymous wrote:
All world elite cards are supposed to have cell phone coverage. If you have one, you can check it out.
There are exceptions like Citi.

I personally wouldn't rely on the insurance that comes with a credit card. Most of the time it won't cover a flagship phone (the WEMC coverage is limited to $800 per incident with a 2 incident or $1K max per year), it's secondary to any other insurance you may have, may have deductibles, requires an estimate for the repair cost or a police report for theft, and obviously doesn't have the carrier behind them pushing them to approve claims.
What's not to rely on? Its free insurance. $800 is better than $0 compensation for the phone. What claim doesnt require an estimate for damage or police report for theft?

Carrier insurance doesn't require either of those things. It's literally a 10 minute call - they blacklist your phone so it can't be activated and they send you a refurbished one (or a new one if they don't have refurbs). Goes for loss or theft.

For warranty, they have a list of things that they won't accept like water damage or cracked screens. You have to return that phone back to them and they'll hit you with a charge if the phone is returned in a state they don't cover as part of the extended warranty.

Re: Cell Phone Protection

Anonymous — Fri, 01 Nov 2019 01:51:28 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
All world elite cards are supposed to have cell phone coverage. If you have one, you can check it out.
There are exceptions like Citi.

I personally wouldn't rely on the insurance that comes with a credit card. Most of the time it won't cover a flagship phone (the WEMC coverage is limited to $800 per incident with a 2 incident or $1K max per year), it's secondary to any other insurance you may have, may have deductibles, requires an estimate for the repair cost or a police report for theft, and obviously doesn't have the carrier behind them pushing them to approve claims.
The only thing I rely on is being very careful with my phone. I've never broken a phone and have dropped mine about 5 times in 20 years. That's the best cell insurance. The ones offered by your carrier are not much better. I'd never pay what they want for a plan that has a deductible.
I've never broken a phone either but it's so much more convenient to make a call and have your phone replaced when something gets messed up and it's under warranty than filing a warranty claim and having to ship your phone off for two weeks or more. Given the option of being without my phone or paying for insurance to get the benefit of being able to get a working phone within 24 hours, I'll pay every time and I build the insurance cost into my expected purchase cost for the phone anyway.

I also tend to use perks like early upgrades. When I had T-Mobile, I upgraded my phone twice a year a few times and all it cost me to do it was the taxes.
I use my tablet for this forum, and can use it to make calls and text. I'd have to tell folks it's me with an unknown number, but it's a backup.

People do use it and it works. The misconception is that it ONLY supplementary to homeowners insurance, but that doesn't apply when something happens to your phone at home.

I never had cell phone coverage and never will. Getting coverage for nothing is something I don't have a problem with.

My cell phone is like an extension of my body. I have an iPad Mini too but it's not as convenient as my phone.

I suppose if you don't mind possibly getting less than the actual value of your device if something happens, free is better than nothing, but it's nowhere near good enough for me. Maybe I would feel differently if I didn't have an iPhone though. You kinda just figure AppleCare+ into the cost.

Re: Cell Phone Protection

Anonymous — Fri, 01 Nov 2019 02:15:15 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
All world elite cards are supposed to have cell phone coverage. If you have one, you can check it out.
There are exceptions like Citi.

I personally wouldn't rely on the insurance that comes with a credit card. Most of the time it won't cover a flagship phone (the WEMC coverage is limited to $800 per incident with a 2 incident or $1K max per year), it's secondary to any other insurance you may have, may have deductibles, requires an estimate for the repair cost or a police report for theft, and obviously doesn't have the carrier behind them pushing them to approve claims.
The only thing I rely on is being very careful with my phone. I've never broken a phone and have dropped mine about 5 times in 20 years. That's the best cell insurance. The ones offered by your carrier are not much better. I'd never pay what they want for a plan that has a deductible.
I've never broken a phone either but it's so much more convenient to make a call and have your phone replaced when something gets messed up and it's under warranty than filing a warranty claim and having to ship your phone off for two weeks or more. Given the option of being without my phone or paying for insurance to get the benefit of being able to get a working phone within 24 hours, I'll pay every time and I build the insurance cost into my expected purchase cost for the phone anyway.

I also tend to use perks like early upgrades. When I had T-Mobile, I upgraded my phone twice a year a few times and all it cost me to do it was the taxes.
I use my tablet for this forum, and can use it to make calls and text. I'd have to tell folks it's me with an unknown number, but it's a backup.

People do use it and it works. The misconception is that it ONLY supplementary to homeowners insurance, but that doesn't apply when something happens to your phone at home.

I never had cell phone coverage and never will. Getting coverage for nothing is something I don't have a problem with.
My cell phone is like an extension of my body. I have an iPad Mini too but it's not as convenient as my phone.

I suppose if you don't mind possibly getting less than the actual value of your device if something happens, free is better than nothing, but it's nowhere near good enough for me. Maybe I would feel differently if I didn't have an iPhone though. You kinda just figure AppleCare+ into the cost.

I'm probably not going to hit them up for a minor repair. A total loss, I would. I never had to deal with it before so who knows.

Re: Cell Phone Protection

Anonymous — Fri, 01 Nov 2019 02:31:06 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:

.

I'm probably not going to hit them up for a minor repair. A total loss, I would. I never had to deal with it before so who knows.

I've owned 25 smartphones going back to 2006 and I've had to use extended warranty benefits from my insurance package for 4 devices that I can think of.

I actually haven't had any major issues since the Windows Mobile days though and I switched to Android in 2009 so I probably could drop my insurance but the second I do, something will happen to my phone and I'll have to spend hundreds of dollars getting it fixed. That's the way those things always go. 😔

Better safe than sorry for me. I just get the lowest storage model to make up most of the $12/mo I pay for the insurance anyway.

Re: Cell Phone Protection

shoegal — Fri, 01 Nov 2019 03:45:25 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:

.
I'm probably not going to hit them up for a minor repair. A total loss, I would. I never had to deal with it before so who knows.
I've owned 25 smartphones going back to 2006 and I've had to use extended warranty benefits from my insurance package for 4 devices that I can think of.

I actually haven't had any major issues since the Windows Mobile days though and I switched to Android in 2009 so I probably could drop my insurance but the second I do, something will happen to my phone and I'll have to spend hundreds of dollars getting it fixed. That's the way those things always go. 😔

Better safe than sorry for me. I just get the lowest storage model to make up most of the $12/mo I pay for the insurance anyway.

But if you have AppleCare+, why do you also pay for carrier insurance?

It seems like overkill.

Re: Cell Phone Protection

Anonymous — Fri, 01 Nov 2019 03:52:39 GMT

Maybe I missed something but, Android isn't Apple.

I avoid the whole situation altogether even though I have my bill charged to my CC I tend to keep my phone in my pocket when it's not in use and when it's in use as well w/ BT. I also don't follow the trends and upgrade it every other month for $1000+ per phone. I picked up a 256GB / 8GB RAM phone for ~$300 and it will probably be mine for the next 4 years until there's a major upgrade to the networks / technologies.

Now, computers on the other hand.... totally different story.

Re: Cell Phone Protection

Anonymous — Fri, 01 Nov 2019 03:56:56 GMT

@Anonymous wrote:
Maybe I missed something but, Android isn't Apple.

I avoid the whole situation altogether even though I have my bill charged to my CC I tend to keep my phone in my pocket when it's not in use and when it's in use as well w/ BT. I also don't follow the trends and upgrade it every other month for $1000+ per phone. I picked up a 256GB / 8GB RAM phone for ~$300 and it will probably be mine for the next 4 years until there's a major upgrade to the networks / technologies.

Well, there IS a major upgrade to the networks, 5G! Just a question of a) when it comes to your area and b) when you feel the need to partake...

Re: Cell Phone Protection

Anonymous — Fri, 01 Nov 2019 04:00:46 GMT

@Anonymous wrote:
Well, there IS a major upgrade to the networks, 5G! Just a question of a) when it comes to your area and b) when you feel the need to partake...

I've worked for the major players in the cellular arena.... I'm well aware of 5G and all the stuff that happens behind the scenes and even have a cell site on my building. Not too worried about it for the next 18 months. It's all being deployed in draft statius with updates needing to be made to be compatible with home and mobile deployments still. Handsets are going to be an isue even with modem chips that are capapble of the speed of 5G because the signal bands are not yet specified or compatible widely either.

Re: Cell Phone Protection

Anonymous — Fri, 01 Nov 2019 04:01:42 GMT

@shoegal wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:

.
I'm probably not going to hit them up for a minor repair. A total loss, I would. I never had to deal with it before so who knows.
I've owned 25 smartphones going back to 2006 and I've had to use extended warranty benefits from my insurance package for 4 devices that I can think of.

I actually haven't had any major issues since the Windows Mobile days though and I switched to Android in 2009 so I probably could drop my insurance but the second I do, something will happen to my phone and I'll have to spend hundreds of dollars getting it fixed. That's the way those things always go. 😔

Better safe than sorry for me. I just get the lowest storage model to make up most of the $12/mo I pay for the insurance anyway.
But if you have AppleCare+, why do you also pay for carrier insurance?

It seems like overkill.

Xfinity Mobile charges $12/mo for their insurance which includes full AppleCare+ and loss/theft so I just go that route.

Re: Cell Phone Protection

shoegal — Fri, 01 Nov 2019 05:08:39 GMT

@Anonymous wrote:
@shoegal wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:

.
I'm probably not going to hit them up for a minor repair. A total loss, I would. I never had to deal with it before so who knows.
I've owned 25 smartphones going back to 2006 and I've had to use extended warranty benefits from my insurance package for 4 devices that I can think of.

I actually haven't had any major issues since the Windows Mobile days though and I switched to Android in 2009 so I probably could drop my insurance but the second I do, something will happen to my phone and I'll have to spend hundreds of dollars getting it fixed. That's the way those things always go. 😔

Better safe than sorry for me. I just get the lowest storage model to make up most of the $12/mo I pay for the insurance anyway.
But if you have AppleCare+, why do you also pay for carrier insurance?

It seems like overkill.
Xfinity Mobile charges $12/mo for their insurance which includes full AppleCare+ and loss/theft so I just go that route.

That makes sense!