make sure you use Amex when you buy Apple care for an extra year of warranty
I always buy Apple care + it's a great deal and peace of mind is worth the extra cost, your paying $1000 for a phone so an extra $100 is worth it to double the warranty and to protect it from accidental damage.
also if you upgrade every year the Apple care + adds resale value to your phone
Your right on the money. After 2 years your battery life may demiinish 25-30% Not enough for a battery replacementNot a good idea to assume this. AC+ (as well as the standard warranty) will replace the battery if it won't hold at least 50% charge but that's more of an indication of a defective battery as healthy batteries don't diminish that greatly in a two years' time.
I've taken out insurance with my carrier. It's more expensive than Apple care plus but covers me for everything including loss and theft.
Is there any advantage to Apple care plus over regular insurance?
Not a good idea to assume this. AC+ (as well as the standard warranty) will replace the battery if it won't hold at least 50% charge but that's more of an indication of a defective battery as healthy batteries don't diminish that greatly in a two years' time.
make sure you use Amex when you buy Apple care for an extra year of warranty
amex will just cover the cost of applecare+ ($99). It will not actually make applecare+ a 3 year plan. That is how all of their extended warranties work. The dollar amount you put on the amex is the dollar amount they will cover.
I bought the phone $680 and applecare+ on the amex, so I guess I would be covered either way.
In my case, they would extend the manufacture warranty by a year (does not cover accidental damage) and the cost of applecare+ ($99) to year 3. If in year 3 I dropped the phone and wanted the screen replaced, apple would probably charge me $130 and amex would reimburse me $99.
We will pay up to the actual amount charged to Your Account for the product for which a Loss is claimed, but not to exceed $10,000. If the product also is covered by a purchased service contract, this Plans extended warranty time period begins at the end of the service contract and extends the original manufacturers warranty for a period of time equal to that warranty, up to one (1) additional year.
Purchases not covered:
11. additional service contract or extended warranty coverage for a computer, computer component or part that You buy which already comes with an original United States of America manufacturers warranty, unless such coverage is provided and administered
by the original manufacturer;
Not quite. If you charge the iPhone and AC+ to the same Amex card, it'll mirror the standard one year warranty at the end of AC+ up to the purchase price you paid, not just $99. But, yes, it won't cover accidental damage in the 3rd year.
From Amex extended warranty terms and conditions:
Notice it'll apply to AC+ but not a third party service contract/extended warranty (like Best Buy, Squaretrade, etc.):
That is what I thought. However, if you paid $199 on contract for your iphone they will only cover the purchase price
Correct. That's why it's always a good idea to get at least the 64GB if buying on contract, as the purchase price of $299 plus tax will cover the $299 out of warranty replacement price (for the iPhone 6).
AppleCare+ has been well worth it to me.
I'm not nit picky about screen yellowing or
many of the things people read about here
and as a result find on their iOS devices.
But my iPhone 5 was replaced twice due to
defects that showed up towards the tail end of coverage.
I bought the AppleCare+ warranty when I bought the phone.
1st time at the tail end of the 1yr warranty due
to a sticky power button (very common in iPhone 5's).
2nd time towards the end of the 2yr AppleCare+ warranty
due to the lower right hand portion of the screen coming loose
(pressing there made a clicking sound and I could feel the
screen press in then raise up, almost as if it were a clickable
touchpad on a MacBook).
If you can afford it buy it. If the retailer you buy your iPhone from doesn't sell it then contact Apple as soon as you can to purchase it over the phone. They'll have you run a diagnostic first but in most states you can buy it directly from Apple over the phone.
I've never had to use their Accidental Damage provision but $79 to replace a phone you damaged is a steal of a deal even when you add the $99 AppleCare+ cost ($178 for a new iPhone). Plus if you damage it again within the two years you'll get another new iPhone for $79. 2 new iPhones for $257. It's even a better deal if the iphone getting replaced is a pricier model, think 6+ 128GB. How much do those cost new? Even a new screen replacement from Apple is $129 I believe (out of warranty).
I've had better luck with iPads as mine typically don't travel outside the house but I buy the AppleCare+ warranty for them as well.