Apple Care + or AT&T Insurance?

[TexasFight1012]

Assuming cost wasn't a factor in this decision, which of these do you think is a better choice for my new iPhone 4S? Keep in mind that I plan on keeping the phone until my contract expires in 24 months.

 

[Brazzy]

Apple has much better customer service. I can imagine att making it a complete hassle to file claim.

 

[whiskeyvol]

http://www.securranty.com/get-smart.html

 

[deeddawg]

AT&T seems to be $6.99 per month plus $199 deductible per incident, but includes loss/theft protection. See http://www.wireless.att.com/learn/en_US/pdf/INSPDT03110149E_FINAL.pdf

AppleCare+ is $99 one time, plus $49 for each of two accidental damage claims and includes extended warranty coverage (no limit/deductible). No loss/theft protection.

Which (if either) makes the most sense for you is an individual decision.

 

[djransom]

I would rather go with AT&T due to the fact that your phone is more likely to be lost or stolen IMO.

 

[BLOND37]

I would rather go with AT&T due to the fact that your phone is more likely to be lost or stolen IMO.

i think i'm gonna go with thr att one..

 

[deeddawg]

I would rather go with AT&T due to the fact that your phone is more likely to be lost or stolen IMO.

Check with your renters or homeowners insurance as to the cost (if any) to obtain loss/theft protection.

 

[iphoneclassic]

Does ATT charge deductable if there is an electornics issue without damage. I hope not.

AppleCare+ advance ships a new device or you can go to local Apple Store and exchange the device for any number of reasons for no charge. $49 only if there is damage.

So over 24 months you pay $68 more for ATT Mobile Insurance + $199 per lost/damage incident.

Unless you expect to loose phone, AC+ is better than ATT MI.

 

[deeddawg]

Does ATT charge deductable if there is an electornics issue without damage. I hope not.

My interpretation of the AT&T plan is that after the original warranty expires, any claim will invoke the deductible. I could be wrong. Under "Covered Incidents" it lists "[...]Mechanical and/or Electrical Malfunction after the Manufacturer’s Warranty Period has expired."