AppleCare+ vs. At&T insurance

[DMB15]

Does anyone know which one is the better way to go to protect your iPhone? Any good or bad experiences?
Thanks for any input....

 

[edhawk1965]

Search in this forum, yesterday I read a pretty good comparison between all the options, the 2 you mentioned plus Squaretrade.

 

[maddux2005]

I went with AT&T simply for the lost/stolen feature. $200 deductable is still far better then unsubsidized pricing. Apple care is $99 + $50 deductable for damage and they don't cover lost/stolen. That's $150. AT&T is only $50 more (plus the monthly fee of $7) and also covers lost/stolen.

 

[physicsguy13]

As mentioned above, the one thing that Applecare+ is not going to cover is a lost phone. If this is something that you think might happen, then I would go with insurance. Of course, if you factor in the cost of the insurance and the deductible it is a significant amount.

 

[maddux2005]

My problem with apple care is the deductable. Lets say I get it for $99. I drop it. $50 deductable brings me to $150. If I 'chance' it and don't get apple care, and drop my phone....it's $200. So it's a $50 gamble and doesn't cover lost/stolen

 

[Captainobvvious]

My problem with apple care is the deductable. Lets say I get it for $99. I drop it. $50 deductable brings me to $150. If I 'chance' it and don't get apple care, and drop my phone....it's $200. So it's a $50 gamble and doesn't cover lost/stolen

Exactly. You pay $100 for the chance to maybe possibly save $50.

If you buy Applecare+ and never need it you lost $100
If you don't buy Applecare+ and you break your phone it cost you $50 more than it would have if you had Applecare+

Unless you KNOW you're going to accidentally break the phone or you think you'll break it twice it isn't worth it.

 

[maddux2005]

Exactly

That's why the $7 a month is better peace of mind. Small upfront costs and covers lost/stolen

 

[jlake02]

I went with AT&T simply for the lost/stolen feature. $200 deductable is still far better then unsubsidized pricing. Apple care is $99 + $50 deductable for damage and they don't cover lost/stolen. That's $150. AT&T is only $50 more (plus the monthly fee of $7) and also covers lost/stolen.

I did the exact same.

 

[Primejimbo]

Exactly. You pay $100 for the chance to maybe possibly save $50.

If you buy Applecare+ and never need it you lost $100
If you don't buy Applecare+ and you break your phone it cost you $50 more than it would have if you had Applecare+

Unless you KNOW you're going to accidentally break the phone or you think you'll break it twice it isn't worth it.

But you drop it again and that's another $200, Applecare will be $50