Cell Phone Protection
Mobile phone protection—at no cost to you!
Rio Grande Credit Union offers built-in cellphone insurance with our debit and credit cards. Simply pay your monthly cellphone bill with your RGCU card and receive up to $500 in protection (minus a $50 deductible) if your cellphone is damaged or stolen.
- Pay your cell phone bill with your debit card and receive up to $500 in protection
- Pay your cell phone bill with your credit card and receive up to $250 in protection
- Pay your mobile phone bill with your RGCU card on a recurring monthly basis.
- Eligibility begins 30 days after an initial payment.
- To remain eligible, you must have made your cell phone payment with your card the month preceeding your phone being damaged or stolen.
- Your RGCU card account must be in good standing. If the account is past due for more than 30 days, you become ineligible.
Frequently Asked Questions
How does Cellular Telephone Protection work?
You are eligible for Cellular Telephone Protection if you pay your wireless phone bill with your RGCU Debit Card, Platinum Visa Card, or Platinum Visa Rewards Card each month. Coverage begins the first day of the calendar month after you make a payment. If you fail to make a cell phone bill payment in a particular month, your coverage will be suspended. Coverage will resume on the first day of the calendar month after the date of any future cellular wireless telephone bill payment made with the eligible card. If your cell phone is stolen or damaged, you may be eligible for reimbursement. Your coverage includes your primary cell phone line and any secondary, additional or supplemental lines.
How much coverage do I have?
VISA DEBIT: The maximum benefit limit is $500 per occurrence and $1,000 (2 claims) per 12 month period. Cellular Telephone Protection is subject to a $50 deductible per claim. You will receive the replacement value subject to the $50 deductible and the benefit maximum.
VISA CREDIT: The maximum benefit limit is $250 per occurrence and $1500 (2 claims) per 12 month period. Cellular Telephone Protection is subject to a $50 deductible per claim. You will receive the replacement value subject to the $50 deductible and the benefit maximum.
What does this protection cover?
This benefit is supplemental coverage, which means that it will reimburse you for theft of, damage to or involuntary and accidental parting of your cell phone not otherwise covered by another insurance policy (for example; cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies).
- If you do have personal insurance that covers theft, damage or involuntary and accidental parting for your cell phone, this benefit reimburses you for the deductible portion of your cell phone insurance.
- If you do not have personal insurance, the benefit reimburses you for the covered theft, damage, or involuntary and accidental parting for your cell phone.
See Credit Guide to Benefits for terms and conditions ?
How much does it cost?
The Cell Phone Protection benefit is provided to Rio Grande Credit Union cardholders at no additional cost.
Do I have to enroll in the program?
No, you do not need to enroll in the program. Just be sure to pay your wireless cell phone bill each month with your RGCU credit or debit card.
What are the limitations?
You will want to read the full Guide to Benefits (Debit Guide or Credit Guide) for terms and conditions, but here are some examples of what is not covered:
- Cosmetic damage (i.e. a scratch to the phone case or damage that does not impact the phone’s ability to operate)
- Electronic issues such as inability to charge, mechanical, software or battery failure
- Phones that are lost
- Prepaid phones
Filing a claim
What do I do if my cell phone is stolen or damaged?
Contact the Benefit Administrator at 866.894.8569. Your Benefit Administrator will ask you for some preliminary claim information and send you the appropriate claim form, as well as answer any questions you may have. If your cell phone is stolen, you must first file a police report within 48 hours of becoming aware of the theft. You must notify the Benefit Administrator within 60 days, and submit your completed claim form and supporting documentation within 90 days of the theft or damage.
How do I make a claim?
You must notify the Benefit Administrator within 60 days of the theft or damage, and submit your completed claim form and supporting documentation within 90 days of the theft or damage. Follow these steps:
- To file a claim, use the option that is most convenient for you.
- Call 866.894.8569, or
- File online at cardbenefitservices.com
- Prepare your claim forms.
- In addition to the claim form, the Benefit Administrator will review with you what supporting documentation you may need, depending on your claim, such as:
- The completed signed claim form.
- A copy of your monthly credit card statement (showing the last 4 digits of the account number) demonstrating that the entire monthly payment for the cell phone bill was made the month prior to the date of damage or theft.
- A copy of your cellular wireless service provider billing statement that corresponds with the above credit card statement.
- A copy of the device summary page from your cell phone provider or other sufficient proof of the claimed cell phone model linked to your cell phone account.
- If the claim is due to theft or criminal action, a copy of the police report filed within forty-eight (48) hours of the event.
- Additional information may also be required, see Guide to Benefits (DEBIT or CREDIT) for terms and conditions.
How will I be reimbursed?
Under normal circumstances, reimbursement will take place within ten (10) business days of receipt and approval of your claim form and all necessary documents.
Do I have to file a claim with anyone else?
Yes, if you already have personal insurance, then this benefit is supplemental coverage, which means that it will reimburse you for theft or damage not otherwise covered by another insurance policy (for example: cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies). You must first file a claim with any applicable preexisting insurance. See Guide to Benefits (DEBIT or CREDIT) for terms and conditions.
Click here for complete terms and conditions of your Credit Card Cell Phone Protection benefit.