Applecare vs AT&T Insurance

[maverick22]

Which do you all prefer?

So apparently Applecare does not cover lost/stolen phones. AT&T's insurance does, and it's $7/month.

So what happens if you lose your phone/it gets stolen and you only have Applecare? I was told by the AT&T rep you have to pay full retail for a new iphone if it gets lost or stolen. Is this true?

Thanks

 

[rhaezorblue]

Yes it's true - if you have to use AT&T's insurance it costs much more than Apple Care. I think it was around $150, maybe more. Unless you live in a place with lots of crime, or are one of those types of people that just forgets things a lot and would lose your iPhone, just get Apple Care.

 

[sdsvtdriver]

carriers tend to use Asurion. You'll get a used phone that's "refurbished", not by Apple, but by Asurion. Good luck with that.

 

[megapopular]

Which do you all prefer?

So apparently Applecare does not cover lost/stolen phones. AT&T's insurance does, and it's $7/month.

So what happens if you lose your phone/it gets stolen and you only have Applecare? I was told by the AT&T rep you have to pay full retail for a new iphone if it gets lost or stolen. Is this true?

Thanks

Yes, that's true. You should try Worth Ave Group insurance. It's like $70 for 3 years, a little less for 2 years and it covers theft, accidental damage and it has a $50 deductible. Yes, you have to file a claim and wait for that process but it covers pretty much everything. I've used them and been happy with the coverage on phones and iPads.

 

[erzhik]

Avoid carrier insurance like a plague. Just because they say they will replace stolen/lost phone, you have to read the fine print. You'll pay a deductible + $$$ per month for insurance. By the time you lose it and go get another one, you would've spent enough money to cover the cost of a new phone from Apple.

 

[cbronfman]

Even though you're waiting for their review

Yes, that's true. You should try Worth Ave Group insurance. It's like $70 for 3 years, a little less for 2 years and it covers theft, accidental damage and it has a $50 deductible. Yes, you have to file a claim and wait for that process but it covers pretty much everything. I've used them and been happy with the coverage on phones and iPads.

While you wait for the claim to be approved, can you "replace phone" or repair it and have them reimburse you?

They do look like good value. Square Trade is good too, but they don't cover theft of loss. Note, I've had iPhones since the very start and I've never dropped or lost or whatever my phone - but I'm risk adverse and I've always had Apple Care or Square Trade. Will consider Worth Avenue while I wait for at least 3 weeks for my iPhone to arrive (unless I find it in a store before or Apple shifts the Oct. 13-20 expected dates earlier).

I think American Express insures against theft or loss too.

 

[dave420]

I am still on the fence about whether to upgrade this year, but if I do I was thinking of just using the AT&T insurance. They have lowered the deductibles if you go 6 or 12 months without a claim, so it's a better deal than before. Also the AT&T insurance can be a good deal if you plan to keep the phone longer than the two years covered by AppleCare+.

Previously I have gotten the AT&T insurance in addition to SquareTrade or AppleCare+. Especially with the cost of the higher storage phones I want to be covered in case of loss or theft. Got the three year coverage with SquareTrade on my 5s last year, but they raised the deductible after that so the next phone I bought (for a friend) I went with AC+.

 

[charlituna]

carriers tend to use Asurion. You'll get a used phone that's "refurbished", not by Apple, but by Asurion. Good luck with that.

i've heard some nightmares about Asurion. Folks getting dinged up phones that still had other folks information on it. Including iCloud which can't be taken off without the password from the original account. Folks getting phones that stopped working and it turns out the previous owner had put a third party screen on it and thus the apple service is void (paid or not). and so on.

Frankly I would rather invest in a good renters/homeowners insurance that will cover the lost/theft issue and get Apple Care

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Avoid carrier insurance like a plague. Just because they say they will replace stolen/lost phone, you have to read the fine print. You'll pay a deductible + $$$ per month for insurance. By the time you lose it and go get another one, you would've spent enough money to cover the cost of a new phone from Apple.

There's that too. That deductible can be as much as $200 if you don't have a phone to send back. Such things should be checked carefully. Including renter's insurance etc policies.

 

[shstiger2009]

Yes, that's true. You should try Worth Ave Group insurance. It's like $70 for 3 years, a little less for 2 years and it covers theft, accidental damage and it has a $50 deductible. Yes, you have to file a claim and wait for that process but it covers pretty much everything. I've used them and been happy with the coverage on phones and iPads.

The quote I'm getting is $200 for 3 years...did I do something wrong?