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AppleCare+ With Theft and Loss Coverage Expanding Beyond iPhones
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Any current AppleCare subscriptions will cancel when you upgrade to Apple Care One, with remaining coverage refunded.. From Apple's FAQ on the Apple Care website:
"You can start an AppleCare+ or AppleCare One plan when buying a new product with Apple in person, online, or through the Apple Store app. For 60 days after a new Apple purchase, you can get a new plan through the Settings app on your iPhone, iPad, or Mac. You can also upgrade to an AppleCare One plan if you have an active AppleCare+ plan. When you switch plans, we’ll automatically cancel your current one and refund any amount owed."
Not worried about losing or having my Apple Watch stolen as I’m always wearing it. However, to have it for my ipad would be good. Bring it to the UK now!
Consumer Law in European countries doesn’t cover theft, loss or accidental damage, only defects.
OK, but you do have three year warranty from repair from Apple because of being in EU and UK
Disclaimer: Apple doesn't handle the theft claims. You will have to file a claim with Apple's underwriter. Frankly, that in itself makes it not worth it. Your own insurance home or renter's insurance policy might cover theft.
Agreed. The X influencers salivating over this are annoying.
How does filing a claim against Apple’s insurer make it “not worth it”? How is it any harder than filing a claim against your own insurance? In fact, filing a claim against your own insurance is- -worse-, as it might raise your premiums. Not so against Apple’s insurer.
Well… yeah… But since Apple’s competitors do not currently have anything close to this to offer, it’s more about marketing. Apple is in business to sell electronics, not insurance.
Space, eh? I nearly lost mine once beaming up to the Enterprise.
The value is diminished because its primary purpose is to be a first-party product and service.
When Apple outsources a crucial transaction or service to an underwriter, it sours the customer experience. Consequently, the underwriter may deny your claim, and Apple will defer to their decision. You see, AppleCare+ provides repairs and parts, all handled by Apple directly, rather than a third party. Apple has the capability to handle theft and loss, but it opts not to do so, likely to reduce operational expenses.
This only applies to the theft and loss plan. The non–theft and loss plan can be valuable.
I don't see how outsourcing a theft/loss claim can sour anything. Whether you claim against Apple Care or your personal insurance, you still deal with underwriters and you still have identical rights as a consumer.
As you say, Apple chooses to outsource the claims to people whose business is to handle insurance claims. That is absolutely the way is SHOULD be. And my point still very much stands: If you forgo Apple Care and instead claim the theft/loss of your iPhone with your personal carrier, you stand a great chance of having your premiums increase.
As you say, Apple chooses to outsource the claims to people whose business is to handle insurance claims. That is absolutely the way is SHOULD be. And my point still very much stands: If you forgo Apple Care and instead claim the theft/loss of your iPhone with your personal carrier, you stand a great chance of having your premiums increase.
You never lose Apple Care+ Theft and Loss for iPhone if you pay monthly? I’ve had it since the iPhone 11 Pro Max and it rolls over to every new iPhone I get. Am I grandfathered in and this changed?
Exactly you’re still getting a replacement iPhone instead of having to buy a new one for $1200 like what? lol
They will never budge can you imagine lol this def happens thousands of times daily
Ah I paid for the 2 year plan upfront when I bought my phone. Hoping it gives me an option to switch to monthly.
Hmmmm. Looks like my iPhone with the Apple iPhone Upgrade Program is not eligible for AppleCare One. I wonder if getting a new phone this fall via IUP will allow me to get all devices on the new AppleCare One. With all my devices and my SO's devices ACO would make the coverage much cheaper.
Annoying thing is my work computer M2 Max is up for renewal in April of 26 and my work should pay for that AC+ renewal... I'm not going to bother getting/requesting a new machine until MBPs have OLED screens. I got a super beefy 16" M2 Max but our machine policies have changed. Even though I am at the executive level, it's hard to argue for a development level machine when I don't "really" need one. 16" MBPs aren't even on the approved list for anyone anymore. I'm pretty positive my work will pay to updated the AC+ on my laptop, but with all the devices I have, it really might not matter if I am averaging $5 a month for it.
I'm gonna have to ask Apple Support about the IUP and ACO...
Annoying thing is my work computer M2 Max is up for renewal in April of 26 and my work should pay for that AC+ renewal... I'm not going to bother getting/requesting a new machine until MBPs have OLED screens. I got a super beefy 16" M2 Max but our machine policies have changed. Even though I am at the executive level, it's hard to argue for a development level machine when I don't "really" need one. 16" MBPs aren't even on the approved list for anyone anymore. I'm pretty positive my work will pay to updated the AC+ on my laptop, but with all the devices I have, it really might not matter if I am averaging $5 a month for it.
I'm gonna have to ask Apple Support about the IUP and ACO...
Part of what I think differentiates AppleCare+, vs the extended warranties at other places / retailers, is Apple is much more willing to let things go, for the betterment of the consumer.
I only get AppleCare+ on certain devices, where it makes the most sense given my use case / risk tolerance. But when I have had to use it, I have to say, it’s always been a fantastic experience. As long as you don’t go in there with a “sense of entitlement”, bossy-style attitude, and just be fair and reasonable, I’ve found Apple store employees will do whatever they can to help you. Even in situations where there is possibility for bad actors to take advantage, I’ve found employees will usually give their AppleCare+ customers the benefit of the doubt, and usually push repairs/replacements through.
Whereas basically every other 3rd party extended warranty, they’re doing everything they can to NOT approve a claim. Part of it is there’s a history of abuse (“this is why we can’t have nice things!”), and so they’ve closed loopholes that can be exploited, even though it means some legitimate customers no longer can get their situations approved. Part of it is that these insurance companies are businesses out for profit, so they incentivize their claims folks to DECLINE as many cases as they can justify.
That’s my experience at least. And why I never buy extended warranties anywhere, other than with AppleCare+.
So that being said, the fact that the Theft/Loss portion of this is handled by a 3rd party (FYI, it’s AIG in the US), does make a difference to me. And diminishes the value of the T&L part of AppleCare.
Also important, this change also means you cannot get AppleCare+ without T&L, which you previously could. On my iPhone 15PM, I have monthly AC+ at $9.99/month. At the time, you could get AC w/out T&L ($9.99) and w/ T&L ($13.99). As mentioned, I chose the $9.99. Now if I were to get a new phone, I can only get AC+ w/out T&L, and have to pay the $13.99.
Or pay $19.99/month for AppleCare One. I’m sure part of the strategy / intentional by Apple. Makes more situations where getting AC One is a “deal”. Not faulting them, but it is a little unfortunate.