I may blame it on motherhood or being in my forties, however the fact is that I’ve at all times been a bit forgetful and accident-prone. I as soon as walked off an airplane with a single AirPod in my ear, whereas the opposite AirPod was tucked safely into its case within the seatback pocket (I obtained it again from misplaced and located on the finish of my journey). One other time, my laptop was destroyed midflight when the individual in entrance of me reclined their seat a couple of years again.
So, once I came upon my Capital One Venture X Rewards Credit Card is amongst these that include cellphone protection whenever you use it to pay your month-to-month cellular invoice, I knew it was in my finest curiosity to change my fee technique. Making that change was both actually sensible or a nasty omen, as a result of I’ve since used the cellphone safety twice this 12 months.
My accident-prone life
Earlier this 12 months, I dropped my telephone on the kitchen ground one morning earlier than placing on the protecting case, and the display suffered a big crack that wanted to be repaired. I paid solely a $50 deductible, and the remainder of the display alternative payment was coated simply by paying my month-to-month invoice with my Enterprise X card. If not for the insurance coverage, I’d have paid $350 for the restore.
My telephone suffered a good worse destiny a couple of weeks in the past whereas on task in Curacao. Whereas the attractive surroundings helped to melt the blow, a defective waterproof case rendered my telephone ineffective after a brief snorkeling journey at my resort. (Facet be aware: I’ve since heard from many individuals that the waterproof telephone pouches are way more dependable than the circumstances designed particularly on your telephone mannequin.)
The following morning, after my telephone suffered water injury, the display turned on and off at random as if possessed by a spirit. Shortly after, all the display turned inexperienced and stated its remaining goodbye (i.e., it went darkish and by no means turned on once more).
I did buy an inexpensive telephone in Curacao so I may talk with my household and allow them to know I used to be secure. However figuring out my bank card’s cellphone safety would assist me repair or change my telephone once I returned residence allowed me to take pleasure in the remainder of my journey … and a few extra snorkeling (sans telephone).
Enterprise X cellphone safety particulars
The qualification tips, protection particulars and declare submitting course of differ primarily based on which credit card(s) with cellphone protection you may have, however to qualify for cellphone safety with the Venture X, I merely want to make use of the cardboard to pay my month-to-month cellular invoice. Every month that I pay the invoice with the Venture X card, I’m coated for the next month.
Associated: Best cards for phone protection
The safety covers each line on my invoice and can be utilized as much as two occasions in a 12-month interval (which suggests I must be further cautious till subsequent 12 months). Cardholders are eligible for as much as $800 per declare after a $50 deductible.
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Enterprise X cellphone safety reimburses you for loss, theft and injury that is not coated by one other insurance coverage coverage (like house owner’s insurance coverage or AppleCare). It does not cowl issues like beauty injury or cellphones stolen from checked baggage.
Submitting my cellphone safety declare
I started the declare course of by visiting the Card Profit Providers web site, as said in my bank card’s advantages information. I stuffed out some common details about my declare and, as a result of I’ve executed this earlier than, I knew that I would wish to add a couple of items of documentation to start the claims course of:
- A replica of my cellphone billing assertion from the month previous to my telephone being broken
- A replica of my Enterprise X month-to-month billing assertion displaying that I paid my wi-fi invoice with my eligible card
- A replica of the system abstract web page from my wi-fi supplier displaying that the broken telephone is linked to my wi-fi account
From there, a consultant referred to as to let me know every little thing regarded good and I wanted solely to offer a restore or alternative estimate from a certified restore facility just like the Apple Retailer or Greatest Purchase. I headed to the closest Apple Retailer, the place they knowledgeable me they do not restore water-damaged telephones and gave me a printed-out estimate for the alternative value of my telephone.
I submitted this estimate with my declare, and my reimbursement was permitted the exact same day. I opted to obtain my funds by way of direct deposit.
I knew I used to be eligible for an improve on my now-ruined telephone, so I visited my wi-fi supplier to be taught my choices. I discover cellphone plans unnecessarily complicated, however on this case, every little thing labored out in my favor. I signed up for the fitting plan on the proper time and was in a position to commerce in my broken telephone towards my improve. (Most plans solely can help you commerce in a telephone in good, working order.)
I solely wanted to repay the remaining steadiness on my present telephone to get a more recent mannequin iPhone for no value, apart from taxes and costs. My cellphone insurance coverage reimbursement greater than coated what I owed on my present telephone, so I primarily obtained the brand new telephone at no cost simply by utilizing my Enterprise X to pay my month-to-month wi-fi invoice.
Backside line
Whereas I’d have most popular for none of this to occur within the first place, I did come away with a brand new telephone for free of charge to me — save the embarrassment of telling everybody I knew that I ruined my telephone in another country.
Because of my Enterprise X card’s cellphone insurance coverage, I’ve simply coated the cardboard’s $395 annual payment a number of occasions over this 12 months. I am crossing my fingers and toes that I haven’t got any extra cellphone mishaps, however I am glad to know I am coated if I do.
For Capital One merchandise listed on this web page, among the advantages could also be offered by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
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