Only some premium AMEX cards cover cell phones. Otherwise, cell phone protection is made as an additional purchase. The Platinum Card, The Business Platinum Card, The Centurion, The Business Centurion Card, Delta SkyMiles Platinum, Delta SkyMiles Platinum Business, Delta SkyMiles Reserve, Delta SkyMiles Reserve Business, The Platinum Card, and The Centurion Card include cell phone coverage, up to $800 per incident and up to two claims per year, with a $50 deductible.