Cell Phone Protection

[8Hunnid]

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

[Anonymous]

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

[Anonymous]

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

[Anonymous]

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@Anonymous wrote:

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

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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. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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

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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. 

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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.

[sunkissed]

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.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@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. 

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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.

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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. 

[trant3]

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@Anonymous wrote:

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@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. 

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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? 

[Anonymous]

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@Anonymous wrote:

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@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. 

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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. 

[Anonymous]

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@trant3 wrote:

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@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. 

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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? 

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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.