I think everyone should get at least a credit card that offers such a great benefit. I myself have taken advatage of the benefit and best of all it is hassle free.
WOW! I called AMEX this morning, and they didn't have any issues with the claim. They said they might have me ship it somewhere to get it fixed, but 90% of the time they simply refund the money and let you buy a replacement, especially on Apple product due to their expensive nature to fix. Might be a better way of getting that 24" iMac I wanted to buy.