AppleCare+ vs. VZW Warranty vs. Geek Squad. vs. SquareTrade - Page 6

iamthekiller · Sep 17, 2012, 10:13 PM

You fools really are wasting money on these outrageous warranties. Most home owner's and renter's insurance policies already cover damage/theft to your phone.

If you own a home or rent and don't have home owner's or renter's insurance, then you're an even bigger fool.

Gjwilly · Sep 17, 2012, 10:19 PM

Quote:

Originally Posted by holyindian

Very good thread. Lots of important information in here.
I've been using square trade for last three years, two times for iphones, and one for ipad. Never had to use them.. none of my devices got damaged.

Anyways, its always good to have a backup plan such as AC+ or ST.
I understand the pros and the cons of AC+, the only thing i liked about square trade is, lost and stolen replacement for the phones. I believe people are more prone to loosing their phones than getting them damaged. However currently i am tilting towards AC+ this time... and might go with them.

Square Trade doesn't offer lost/stolen replacement.
http://squaretrade.force.com/support...dont-you-cover

lorenwade · Sep 17, 2012, 10:22 PM

I don't think AC+ covers lost or stolen either. Couldn't find anything on it on their site.

Quote:

Originally Posted by iamthekiller

You fools really are wasting money on these outrageous warranties. Most home owner's and renter's insurance policies already cover damage/theft to your phone.

If you own a home or rent and don't have home owner's or renter's insurance, then you're an even bigger fool.

That's so ignorant. You're so accusing yet haven't don't your own research to know that many renters and home insurances will not cover personal devices such as mobile phones, tablets, and laptops.

$100 for 2 years of insurance isn't in the least a waste of money. It's a risk assessment for every person.

jason2811 · Sep 17, 2012, 10:32 PM

If you don't have AppleCare+ is the replacement always $200 regardless of phone capacity? To replace a 16GB or a 64GB would be the same price of $200?

HeyGreggie · Sep 17, 2012, 10:36 PM

Quote:

Originally Posted by pear21

So if you buy the 32GB phone and don't get apple care + does the replacement phone cost $300?

On Verizon regardless of model its $89

willmtaylor · Sep 17, 2012, 10:38 PM

Quote:

Originally Posted by HeyGreggie

On Verizon regardless of model its $89

Yeah, that's wrong. Where in the world did you get that number?

ihav0frnds · Sep 17, 2012, 10:44 PM

i say it over and over...

collegestudentinsurance.com is the best

Makaveli6103 · Sep 17, 2012, 10:54 PM

Quote:

Originally Posted by ihav0frnds

i say it over and over...

collegestudentinsurance.com is the best

Never heard of this. I will check it out.

holyindian · Sep 17, 2012, 11:58 PM

Quote:

Originally Posted by ihav0frnds

i say it over and over...

collegestudentinsurance.com is the best

What about people who are not in schools/colleges?

jordanogrady · Sep 18, 2012, 02:02 AM

This has probably been asked loads of times, but I cant see apple care + ?? I can see apple care, but not the + bit??

I have home insurance, and my phone is covered on that, so dont really see the need to have the apple care too, as i usually sell my phone after a year...

I'm in the UK, so thats probable one of the reasons?
Jordan

3rd Rock · Sep 18, 2012, 04:38 AM

Quote:

Originally Posted by iamthekiller

You fools really are wasting money on these outrageous warranties. Most home owner's and renter's insurance policies already cover damage/theft to your phone.

If you own a home or rent and don't have home owner's or renter's insurance, then you're an even bigger fool.

I have renters insurance but they do not cover smartphones, so AppleCare + will be my choice.

One more thing iamthekiller.... Best to have insurance and not need it, than to need it and not have it. And stop calling people fools.

willmtaylor · Sep 18, 2012, 05:43 AM

Quote:

Originally Posted by jordanogrady

This has probably been asked loads of times, but I cant see apple care + ?? I can see apple care, but not the + bit??

I have home insurance, and my phone is covered on that, so dont really see the need to have the apple care too, as i usually sell my phone after a year...

I'm in the UK, so thats probable one of the reasons?
Jordan

Yeah, sorry mate. All this info. is based from my research here in the States. I haven't the faintest idea about warranty policies across the pond.

nicknicknickh · Sep 18, 2012, 05:50 AM

Quote:

Originally Posted by jordanogrady

This has probably been asked loads of times, but I cant see apple care + ?? I can see apple care, but not the + bit??

I have home insurance, and my phone is covered on that, so dont really see the need to have the apple care too, as i usually sell my phone after a year...

I'm in the UK, so thats probable one of the reasons?
Jordan

Sorry, you guys dont have access to AppleCare+ in the UK

ihav0frnds · Sep 18, 2012, 05:53 AM

Quote:

Originally Posted by holyindian

What about people who are not in schools/colleges?

yea it works awesome if you are

willmtaylor · Sep 18, 2012, 06:08 AM

Quote:

Originally Posted by ihav0frnds

yea it works awesome if you are

How does that answer his question? Can you or can you not take advantage of that service if you're not enrolled in college courses?

appswipe · Sep 18, 2012, 07:19 AM

Anyone have the Citibank Forward card? It offers free cell phone coverage if you pay your cell bill on it but I never heard anyone talk about it.

It's aimed at College aged users so it also offers 5% rewards points on categories like Movies, Music, Books and Restaurants (including Fast Food) so its pretty impressive. Especially since Amazon is categorized as a bookstore so thats 5% off all non-marketplace items.

Quote:

Cellular Telephone Protection
If you pay your monthly cell phone bills with your Citi® credit card and your cell phone is damaged or stolen, you have supplemental insurance coverage that reimburses you for a replacement phone.

imlynxy · Sep 18, 2012, 09:07 AM

Citi bank:
Cellular Telephone Protection
Visa Cellular Telephone Protection is supplemental reimbursement and is underwritten by Indemnity Insurance Company of North America. Certain conditions, restrictions and exclusions apply. Coverage is subject to a maximum reimbursement amount of $250 in excess of the $50 co-payment you are required to pay. Details of coverage will be provided upon cardmembership.

willmtaylor · Sep 18, 2012, 09:13 AM

Quote:

Originally Posted by appswipe

Anyone have the Citibank Forward card? It offers free cell phone coverage if you pay your cell bill on it but I never heard anyone talk about it.

It's aimed at College aged users so it also offers 5% rewards points on categories like Movies, Music, Books and Restaurants (including Fast Food) so its pretty impressive. Especially since Amazon is categorized as a bookstore so thats 5% off all non-marketplace items.

Quote:

Originally Posted by imlynxy

Citi bank:
Cellular Telephone Protection
Visa Cellular Telephone Protection is supplemental reimbursement and is underwritten by Indemnity Insurance Company of North America. Certain conditions, restrictions and exclusions apply. Coverage is subject to a maximum reimbursement amount of $250 in excess of the $50 co-payment you are required to pay. Details of coverage will be provided upon cardmembership.

Sounds like too many "if's," "and's," or "but's" to me. I'm sure the CC would find some way to screw you over. Or it would take 6-8 weeks to process or something.

imlynxy · Sep 18, 2012, 09:17 AM

I bought AppleCare+. But!!! It doesn't cover water damage. Also Squaretrade less expensive with 35 dollars off on facebook.com. Also I can cancel squaretrade any time and get my money back. Also I can fix my phone 4 times instead of 2 times. SquareTrade has a lot positive reviews and I call Allpe and cancel Apple Care and will order Square trade.

I don't work for SquareTrade or Apple.

nosnhojm · Sep 18, 2012, 10:00 AM

Quote:

Originally Posted by imlynxy

I bought AppleCare+. But!!! It doesn't cover water damage. Also Squaretrade less expensive with 35 dollars off on facebook.com. Also I can cancel squaretrade any time and get my money back. Also I can fix my phone 4 times instead of 2 times. SquareTrade has a lot positive reviews and I call Allpe and cancel Apple Care and will order Square trade.

I don't work for SquareTrade or Apple.

From the AppleCare+ terms and condictions:

Quote:

ADH coverage only applies to an operational or mechanical failure caused by an accident from handling that is the result of an unexpected and unintentional external event (e.g., drops and liquid contact) that arises from your normal daily usage of the Covered iPhone as intended for such Covered iPhone.

So I believe it does cover water damage.

mslederer · Sep 18, 2012, 10:02 AM

I read a suggestion on Gotta be Mobile News and Reviews of using Protect Your Bubble for insurance. Anyone know of it? Covers damage and loss. $8/month or $144/2years. 10% discount for multiple devices. $120 deductible. 2 claims / 12 months.

I know it's more expensive than AC+ and ST but I'm looking for something that covers loss also. Any feedback on PYB?

http://us.protectyourbubble.com/

AppFanGirl · Sep 19, 2012, 08:33 AM

If I buy AppleCare+ and have issues with the home button, battery, etc, will there be a $50 charge to replace the unit? Or is the $50 co-pay just for accidental damage claims?

This may change my decision, if the $99 for AppleCare+ covers 100% hardware issues without additional cost. I currently have the iPH4 with the dreaded home button intermittent issues. If I could have it resolved, with no cost in year 2, I would be thrilled (if I had purchased AC+)!! So, it makes me consider AC+ for the iPH5...

TableSyrup · Sep 19, 2012, 08:48 AM

Adding to Renters or Homeowners insurance? Are you kidding?

So, what... you make 1 Claim... over a $200+ phone (Outright refurb), for what deductible?

And then, they up your rates for 3 years?
And if there is a second claim in that period they can drop you, and any other insurance company would then rape you...

Fail

Shoot, I ate $3000 in stolen good cause of this... wouldn't have made sense against my homeowners insurance over 3 years... god forbid something serious should come up

And, as far as renters or homeowners covering lost/stolen...
not unless it happens INSIDE your home or on your property.
They wouldn't cover it if it didn't happen there.
For that, you would need an Inland Marine policy.

willmtaylor · Sep 19, 2012, 09:05 AM

Quote:

Originally Posted by imlynxy

I bought AppleCare+. But!!! It doesn't cover water damage. Also Squaretrade less expensive with 35 dollars off on facebook.com. Also I can cancel squaretrade any time and get my money back. Also I can fix my phone 4 times instead of 2 times. SquareTrade has a lot positive reviews and I call Allpe and cancel Apple Care and will order Square trade.

I don't work for SquareTrade or Apple.

"Doesn't cover water damage..."
That is incorrect. It does cover water and most other types of accidental damage.

"AC+ can't be cancelled..."
Also, incorrect. One can also cancel AC+ at any time for a refund.

2 claims versus 4 claims was the tipping point for me.

PLEASE be more careful & get your facts straight before posting to avoid the proliferation of misinformation.

----------

Quote:

Originally Posted by AppFanGirl

If I buy AppleCare+ and have issues with the home button, battery, etc, will there be a $50 charge to replace the unit? Or is the $50 co-pay just for accidental damage claims?....

The co-pay is for accidental damage. Other hardware issues will be repaired/replaced without charge at the discretion of Apple's Geniuses.

3rd Rock · Sep 19, 2012, 09:36 AM

Quote:

Originally Posted by mslederer

I read a suggestion on Gotta be Mobile News and Reviews of using Protect Your Bubble for insurance. Anyone know of it? Covers damage and loss. $8/month or $144/2years. 10% discount for multiple devices. $120 deductible. 2 claims / 12 months.

I know it's more expensive than AC+ and ST but I'm looking for something that covers loss also. Any feedback on PYB?

http://us.protectyourbubble.com/

Read this and other reviews by doing a Google Search on them

http://www.metareviews.co.uk/protect...bubble-review/

Sep 19, 2012, 08:33 AM	#147
AppFanGirl macrumors newbie Join Date: Sep 2012	Is there a $50 co-pay for defective hardware? If I buy AppleCare+ and have issues with the home button, battery, etc, will there be a $50 charge to replace the unit? Or is the $50 co-pay just for accidental damage claims? This may change my decision, if the $99 for AppleCare+ covers 100% hardware issues without additional cost. I currently have the iPH4 with the dreaded home button intermittent issues. If I could have it resolved, with no cost in year 2, I would be thrilled (if I had purchased AC+)!! So, it makes me consider AC+ for the iPH5...
	0

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Sep 17, 2012, 10:13 PM	#126
iamthekiller macrumors 6502a Join Date: Feb 2010	You fools really are wasting money on these outrageous warranties. Most home owner's and renter's insurance policies already cover damage/theft to your phone. If you own a home or rent and don't have home owner's or renter's insurance, then you're an even bigger fool.
	0

Sep 17, 2012, 10:32 PM	#129
jason2811 macrumors 6502a Join Date: May 2006	If you don't have AppleCare+ is the replacement always $200 regardless of phone capacity? To replace a 16GB or a 64GB would be the same price of $200?
	0

Sep 17, 2012, 10:44 PM	#132
ihav0frnds macrumors 6502 Join Date: Jun 2010	i say it over and over... collegestudentinsurance.com is the best
	0

Sep 18, 2012, 02:02 AM	#135
jordanogrady macrumors regular Join Date: Jan 2010	This has probably been asked loads of times, but I cant see apple care + ?? I can see apple care, but not the + bit?? I have home insurance, and my phone is covered on that, so dont really see the need to have the apple care too, as i usually sell my phone after a year... I'm in the UK, so thats probable one of the reasons? Jordan
	0

Sep 18, 2012, 09:07 AM	#142
imlynxy macrumors member Join Date: Mar 2012	Citi bank: Cellular Telephone Protection Visa Cellular Telephone Protection is supplemental reimbursement and is underwritten by Indemnity Insurance Company of North America. Certain conditions, restrictions and exclusions apply. Coverage is subject to a maximum reimbursement amount of $250 in excess of the $50 co-payment you are required to pay. Details of coverage will be provided upon cardmembership.
	0

Sep 18, 2012, 09:17 AM	#144
imlynxy macrumors member Join Date: Mar 2012	I bought AppleCare+. But!!! It doesn't cover water damage. Also Squaretrade less expensive with 35 dollars off on facebook.com. Also I can cancel squaretrade any time and get my money back. Also I can fix my phone 4 times instead of 2 times. SquareTrade has a lot positive reviews and I call Allpe and cancel Apple Care and will order Square trade. I don't work for SquareTrade or Apple.
	0

Sep 18, 2012, 10:02 AM	#146
mslederer macrumors newbie Join Date: Sep 2012	I read a suggestion on Gotta be Mobile News and Reviews of using Protect Your Bubble for insurance. Anyone know of it? Covers damage and loss. $8/month or $144/2years. 10% discount for multiple devices. $120 deductible. 2 claims / 12 months. I know it's more expensive than AC+ and ST but I'm looking for something that covers loss also. Any feedback on PYB? http://us.protectyourbubble.com/
	0

Sep 19, 2012, 08:48 AM	#148
TableSyrup macrumors 6502 Join Date: May 2012	Adding to Renters or Homeowners insurance? Are you kidding? So, what... you make 1 Claim... over a $200+ phone (Outright refurb), for what deductible? And then, they up your rates for 3 years? And if there is a second claim in that period they can drop you, and any other insurance company would then rape you... Fail Shoot, I ate $3000 in stolen good cause of this... wouldn't have made sense against my homeowners insurance over 3 years... god forbid something serious should come up And, as far as renters or homeowners covering lost/stolen... not unless it happens INSIDE your home or on your property. They wouldn't cover it if it didn't happen there. For that, you would need an Inland Marine policy.
	1