Cell phone insurance/protection benefit
Dec 7, 2021, 10:57 am
#1
Original Poster
Join Date: Feb 2002
Location: BOS
Programs: AA EXP 1MM, DL PM, Bonvoy Titanium (Plat Life), HH G, Amtrak, B6, MR
Posts: 1,548
Cell phone insurance/protection benefit
Apologies if the mods feel this isn't the proper forum for it...
After Barclay's just announced that they're dropping the cell phone insurance benefit from their AA cards, I started searching for a different card that has this benefit. I've found several options to consider, BUT have a nitpicky question I wanted to run by people here in case someone has additional insight or personal experience to report.
In researching this, I started reading the T&Cs. Both the Amex Platinum and the MasterCard benefit terms for cell phone insurance have this exclusion in their T&Cs in the "What is NOT covered" section:
Replacement of Eligible Cellular Wireless Telephone(s) purchased from anyone other than a cellular service provider’s retail or internet store that has the ability to initiate activation with the cellular service provider;
So if I bought my phone from BestBuy, that would suggest that it is not covered. Although BestBuy is able to activate it on the Verizon network, so if I took advantage of that, does that now mean that it *is* covered because the store has the ability to initiate activation with the cellular service provider?
I just looked up the T&Cs of the Wells Fargo protection, as an example, and it does NOT have the same language. I'm not sure if that's Visa's language or if they're doing their own thing.
After Barclay's just announced that they're dropping the cell phone insurance benefit from their AA cards, I started searching for a different card that has this benefit. I've found several options to consider, BUT have a nitpicky question I wanted to run by people here in case someone has additional insight or personal experience to report.
In researching this, I started reading the T&Cs. Both the Amex Platinum and the MasterCard benefit terms for cell phone insurance have this exclusion in their T&Cs in the "What is NOT covered" section:
Replacement of Eligible Cellular Wireless Telephone(s) purchased from anyone other than a cellular service provider’s retail or internet store that has the ability to initiate activation with the cellular service provider;
So if I bought my phone from BestBuy, that would suggest that it is not covered. Although BestBuy is able to activate it on the Verizon network, so if I took advantage of that, does that now mean that it *is* covered because the store has the ability to initiate activation with the cellular service provider?
I just looked up the T&Cs of the Wells Fargo protection, as an example, and it does NOT have the same language. I'm not sure if that's Visa's language or if they're doing their own thing.
