I Tested Credit Card Phone Insurance — Here’s What Actually Happened

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Most credit cards advertise cell phone insurance, but almost nobody trusts it to actually work. I decided to test it in the least impressive way possible by using an $8 monthly phone plan and filing a real claim after dropping my phone. In this video, I walk through what the process actually looks like, where most people get stuck, why claims get denied, and what the fine print really means in practice. This isn’t a tutorial or a card comparison; it’s a real world stress test of a credit card benefit that people argue about online. I used the Bilt credit card for this experiment, but the experience applies broadly to similar benefits from issuers like Chase, Wells Fargo and American Express. If you’ve ever wondered whether credit card phone insurance is real or just marketing, this video shows what actually happens when you try to use it.

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Timeline
0:00 Start
0:18 Requirements
0:41 Claim Process
2:12 Repair Invoice
3:32 Rejection
3:49 Payout
4:30 Important Advice

#cellphonerepairs #creditcardbenefits #insurance
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Advertiser Disclosure: Some of the products that appear on this website are from companies from which Calby Ng will earn an affiliate commission or referral bonus. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Some of the card links and other products that appear on this website are from companies which I will earn an affiliate commission or referral bonus. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. The above references an opinion and is for information purposes only. It is not intended to be investment advice. Seek a duly licensed professional for investment advice. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.