Apple Care+ or At&t Insurance for At&t Next

Discussion in 'iPhone' started by eddiexhart, Oct 23, 2014.

  1. eddiexhart macrumors regular

    eddiexhart

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    Dec 13, 2008
    Location:
    North Hollywood CA
    #1
    What is the more affordable option for the At&t Next 12 month plan?
     
  2. Shadowbech macrumors 601

    Joined:
    Oct 18, 2011
    Location:
    Planet iPhone
    #2
    IMO if you are AT&T Next 12 then Applecare+ is not worth getting, because you would be trading your phone in and getting another phone after 12 month.

    I would definitely go with the AT&T insurance, which does cover any damages to the phone including lost/stolen devices. Applecare+ doesn't cover lost/stolen.
     
  3. KentuckyHouse macrumors 68020

    KentuckyHouse

    Joined:
    Jan 29, 2010
    Location:
    Lexington, KY.
    #3
    This is a great question for me since I did Next for the first time on my 6+ (haven't received it yet). I was going to do Applecare+ but it makes complete sense that its overkill for the 12-month Next plan.

    Anyone know the cost of the AT&T insurance? I'll have to go look. And can you add it to a phone purchased through Apple?

    Edit: After checking, this seems like a good deal, though the deductibles are quite a bit higher. But it does cover more than Applecare+.

    http://www.att.com/shop/wireless/services/mobileinsurance-sku1040075.html#fbid=-BvyOJH6aMF
     
  4. noekozz macrumors 6502a

    noekozz

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    212/201
    #4

    IIRC 6.99 and yes I think you can as long as the service is provided through AT&T.
     
  5. fishmd macrumors 68000

    fishmd

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    Location:
    Sunny South Florida
    #5
    I am pretty sure that you can get a prorated amount back on the Apple care + if you cancel it before the 2 years are up. Just something else to consider.
     
  6. Shadowbech macrumors 601

    Joined:
    Oct 18, 2011
    Location:
    Planet iPhone
    #6
    Edit. Should have read. You may need to contact AT&T in regards to your phone since you purchased it at Apple.

    IIRC, the insurance is actually tied to the line and not the phone itself. So technically if you get another phone, you are still insured. I called the AT&T rep because I wanted to cancel the insurance. The rep talked to the manager, and I was told that the insurance is actually tied to the line and not the phone. So you can always get new phone and still be covered. But I still cancelled it anyways and got the Applecare+ instead.
     
  7. KentuckyHouse macrumors 68020

    KentuckyHouse

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    Jan 29, 2010
    Location:
    Lexington, KY.
    #7
    I'll have to check on that. If that's the case, I'd prefer to go with Applecare+ just to streamline the process.
     
  8. Shadowbech macrumors 601

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    Oct 18, 2011
    Location:
    Planet iPhone
    #8
    Here, this should help: http://support.apple.com/kb/HT5688
     
  9. KentuckyHouse macrumors 68020

    KentuckyHouse

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    Lexington, KY.
    #9
  10. greytmom macrumors 68040

    greytmom

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    Jun 23, 2010
    #10
    I got AppleCare. I do upgrade every year, but since I pass the old phone down to my daughter and she's WAY less careful than I am, it's a good investment.
     
  11. iRobby macrumors 6502a

    iRobby

    Joined:
    Mar 22, 2011
    Location:
    Fort Myers, FL USA
    #11
    Getting an iPhone 6 Plus on AT&T NEXT. I have an iPhone 5S with Apple Care bought last year with one more year to go. I'm receiving my iPhone 6 Plus next week. I was told by Apple Care I can transfer my Apple Care from the 5S to the 6 Plus which expires we I upgrade next year. The only problem I have is that I only have one more replacement accidental breakage.
     
  12. 01silver4 macrumors 6502a

    01silver4

    Joined:
    Oct 4, 2014
    Location:
    Florida
    #12
    Well I have Apple care+ on my 64GB 6+ which got on AT&T next 18 I usually upgrade my phone every 24months since the iPhone 2G. I had Apple care on my previous iPhone 4s and never had to use it. But with this phone being $850 iphone, I just wanted the peace of mind knowing incase something happens it's covered. I have several cases for it, and screen protector from ZAGG the HDX model. So my phone is always protected, I mainly got the Apple care+ to cover the hardware & software of the the phone. In case it stops working etc.
     
  13. HEK macrumors 68040

    HEK

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    Sep 24, 2013
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    US Eastern time zone
    #13
    Yes you can. I got $45 back after 13 months. As long as you have not used it for replacement.
     
  14. havenyoung macrumors regular

    havenyoung

    Joined:
    Oct 22, 2013
    #14
    The only concern I have with at&t mobile insurance is their replacement policy:
    Replacement Once your claim is approved, you will receive your replacement as soon as the next day.* Claims may be fulfilled with new, AT&T Certified Like-New or other models of like-kind and quality. Colors, features, and accessory compatibility are not guaranteed.
     
  15. Buringcoals, Dec 15, 2014
    Last edited: Dec 15, 2014

    Buringcoals macrumors member

    Joined:
    Nov 4, 2014
    #15
    Depends on if you want the stolen/lost coverage.

    Otherwise regardless if you are on AT&T Next, AppleCare + is the better plan. Some ATT Next users are on the 18 month plan, AppleCare is 2 years, includes phone support.

    AppleCare gives you x2 incidents that cost 79$ per incident (Deductible)

    ATT Insurance is $7 per month plus tax and fees, and is $199.00 per incident on an iPhone.

    If you don't lose your phone after 10months on ATT insurance, and you accidentally broke it, you would be paying $270.00 vs $180.00 for AppleCare. However, if you break your phone again, its $79.00 for Apple and $199.00 for ATT.

    In the end, 2 years with ATT and using the insurance is $368.00 vs $180.00 for Apple.

    If you don't use the insurance on either plan, $168.00 vs $99.00 for Apple.

    I chose AppleCare, heck I usually don't even buy insurance, my phone is my lifeline, its like losing my wallet, its something I actively make sure does not happen. But this new phone is almost 1k retail, so, its worth it to have piece and mind.

    I am also not sure how many incidents you get with ATT insurance. But for $199.00 Deductible I doubt they care about incidents.
     
  16. rigormortis, Dec 15, 2014
    Last edited: Dec 15, 2014

    rigormortis macrumors 68000

    rigormortis

    Joined:
    Jun 11, 2009
    #16
    AT&T covers your gadget against loss or theft. and it is very expensive and has a very expensive deducible. the deductible is $200 for anything. if its stolen or if its a bad screen.

    if you break your lcd sceen, it only costs $109 to $129 at the apple store. that is less then at&t' deductible. you are being robbed.

    if you want insurance for loss or theft, go get renters insurance. or have it covered under your home owners insurance.

    with find my iPhone , iPhone thefts have dropped 40 %


    AT&T insurance for 12 months costs almost the same as applecare+ does for 2 years.

    AT&T next does not mean after 12 months you have to turn in your phone, it only means after 12 months you are eligible for an upgrade. that iPhone is not paid off until 20 months after.

    AT&T next 12 is not a lease , like sprint's iPhone for life program

    don't get AT&T insurance. get applecare. sign up for 2 years for $99 and if you break your screen your only out $79 deducible for a total of $178, and if the same thing happened with your AT&T insurance you could be out $261 max. which coincently is almost how much it costs to replace your entire phone at the genius bar on 1 incident. like having it get wet


    apple care needs to be purchased in the first 60 days of ownserhip

    another solution would be square trade. they cover more then what applecare covers. they cover full immersion in water and 4 claims vs 2 claims for applecare. you can get square trade for $99 for 2 years or $120 for 3 years. and if your concerned about trading that iPhone in early, then you can still get the square trade app and pay by the month which is $5. deductibles for repairs are $75.

    the one bad thing about square trade is if your phone breaks down for a manufacturers defect after the 1st year, you still have to pay $75 deducible
    with applecare, you don't have to pay deductibles on defects.


    you can pay the $5 every month and cancel at anytime.

    square trade does not charge deductibles for iPads

    square trade and applecare do not cover for loss or theft
     
  17. rigormortis, Dec 15, 2014
    Last edited: Dec 15, 2014

    rigormortis macrumors 68000

    rigormortis

    Joined:
    Jun 11, 2009
    #17
    another company is protectyourbubble. they charge $5.99 a month
    , you get $1 off per month if you bundle 2 products

    you can pay $5.99 a month for a maximum of 36 months and then the policy cancels. you can cancel your policy and any time. deductibles are $50
    there is a 14 day waiting period before coverage begins. which is something that applecare or square trade do.

    they also do not cover items for loss or theft

    rigor's comparison chart
    ===
    iphone 6 is totally fried, after 13 months
    the genius / store does not feel sorry for you, so they won't just give you a complimentary trade in


    apple no warranty out of pocket $329
    applecare $179 2 years of apple care + deductible
    square trade $174 2 years of square trade plus deductible (one payment for warranty)
    square trade $139 13 months @ $5 a month plus deducible (monthly payments for warranty)
    protect your bubble $127.87 @ $5 a month plus deductible
    AT&T insrance $289.87

    so if you own your iPhone for 13 months with AT&T insurance and the iPhone is totally fried and only a direct replacement will fix it, you already spent 88% of apple's out of warranty cost

    you can also compare those costs to apple's cost to replace a screen ($109 to $129) and you can see how much AT&T insurance is robbing you

    you break your screen, with AT&T insurance after 13 months, you paid them $289.87 and out of that money you already paid them, they only paid out $109
     

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