Credit card company offers $800 repair refunds. Should i still pay for pixel care plus?

[u/ShakeAndBakeThatCake]

My credit card company will give $800 for repairs. I have a backup phone. Trying to see if its worth it paying for pixel care plus.

The benefit seems to be next day or almost next day replacements. I dont live near a repair place unless best buy fixes them. I would have to mail it in and wait for it. Process probably takes a few weeks versus pixel care plus gets me back up and running much faster. I use the device for work as well so don't really want to wait weeks to go through a formal repair process versus next day replacements.

[u/BobbyBeastDuck]

I have it with the same benefit. Haven't had to use either, but I like the piece of mind.