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Zeal · Care
File a claim

Start a claim by text message.
It takes about ninety seconds.

Whether it's a leaking dishwasher, a TV that won't turn on, or a sofa with a damaged frame — the process is the same. You text us, send a photo, and we take it from there.

Lost your plan card? Email help@zealprotect.com with your name, the retailer, and the item — we'll find your plan and send you the number.

The claim, end to end

Five steps. Most happen on your phone.

01

You text us.

Open Messages, text the claims number, and say what's wrong in plain English.

~30 sec
02

We confirm coverage.

Our AI assistant verifies your plan, then a human reviews and approves the claim.

~2–5 min
03

We dispatch a tech.

A brand-certified technician contacts you to schedule. You pick the window that works.

Same or next day
04

They fix it.

The technician shows up with the right parts and completes the repair on-site, when possible.

No bill to you
05

We close the loop.

You get a text confirming the claim is closed, with a short note on what was done.

Done
Before you text

A short checklist so the first reply can be the right one.

None of this is required — our team will help you fill in the blanks. But having these on hand means we can usually approve and dispatch in one message exchange.

Your plan's claims number.

It's printed on the plan card your retailer gave you and included in your purchase confirmation email. Each retailer has its own number — it usually shows up as a 10-digit U.S. number.

Your name and the receipt date.

The name on the plan and roughly when the protected item was purchased. We can look it up from there — exact dates aren't required.

A short description.

"The dishwasher leaks after every cycle." "The screen flickers when I scroll." Plain English is fine — we'll ask follow-ups if we need them.

One photo (if possible).

A photo of the issue, the error code on the display, or the product's model/serial sticker. Especially helpful for appliances and electronics — it lets the technician bring the right part.

What it looks like

A typical claim conversation, start to finish.

This is what most of our claims look like. The whole exchange — from the first message to a scheduled technician visit — usually fits inside ten minutes.

  • First replyWithin seconds, 24/7.
  • ApprovalMost covered claims approve in under five minutes.
  • Tech dispatchOften same-day for appliances, next-day for electronics.
  • LanguagesEnglish and Spanish, in conversation.
If your claim isn't covered

We tell you the plain truth — and what to do next.

Every protection plan has limits — that's just how they work. If your claim falls outside what your plan covers, we'll tell you exactly which line in the plan applies and what your options are. Often there's a partial path forward, like out-of-warranty service at a fair rate from the same technician network. We'd rather give you a useful answer than a slow one.

Read the full FAQ