Wells Fargo offers cell phone protection with most of its credit cards when you pay your monthly cell phone bill with the card. While you can file a claim of up to $600 and pay a $25 deductible, the coverage limits reimbursement to the repair or replacement of your original cell phone that is either stolen or damaged. This coverage does not extend to phones that are lost or disappear without explanation. Wells Fargo provides cell phone protection on most of its cards. The protection does not apply to cell phone bills paid from a Wells Fargo debit card, Wells Fargo business credit card, or Wells Fargo commercial card. If you are renting or borrowing a cell phone or received it as part of a prepaid plan, you also won’t be eligible for cell phone protection coverage. As with many other types of credit card cell phone protection plans, Wells Fargo provides supplementary coverage. As a result, if you have any other personal coverage, the benefits provided by Wells Fargo will not be equal to or exceed the benefits of your primary insurance. Unfortunately, the Chase Sapphire Reserve does not have a cell phone protection plan. However, this card offers a Purchase Protection plan where you can receive repair services or reimbursement for eligible items in the event of theft or damage. Items must be purchased with your Chase Sapphire Reserve credit card to be eligible.