DualShock

macrumors 6502a
Original poster
Jun 29, 2008
564
120
Has anyone actually filed a theft and loss claim through AppleCare+? If so I was wondering about your experiences, quality of the replacement device, etc.

Just got a new iPhone 11 and I still have time to decide between Verizon's Total Mobile Protection for $15/month and AppleCare+ with Theft and Loss. I will be keeping my phone for at least 2 years due to some promotional credits and the total cost for AppleCare+ will be less than Verizon's. However Verizon has many more stores so it is more convenient for quicker service.

I understand that the claim gets routed through Assurant who tends to have a spotty reputation. (I believe Verizon goes through Asurion who tends to be no better.) But since AppleCare+ is backed by Apple, I would expect the quality of the replacements from Assurant to be much better, possibly at the level of Apple's own replacements for damaged devices.
 

BugeyeSTI

macrumors 601
Aug 19, 2017
4,245
2,902
Arizona
Has anyone actually filed a theft and loss claim through AppleCare+? If so I was wondering about your experiences, quality of the replacement device, etc.

Just got a new iPhone 11 and I still have time to decide between Verizon's Total Mobile Protection for $15/month and AppleCare+ with Theft and Loss. I will be keeping my phone for at least 2 years due to some promotional credits and the total cost for AppleCare+ will be less than Verizon's. However Verizon has many more stores so it is more convenient for quicker service.

I understand that the claim gets routed through Assurant who tends to have a spotty reputation. (I believe Verizon goes through Asurion who tends to be no better.) But since AppleCare+ is backed by Apple, I would expect the quality of the replacements from Assurant to be much better, possibly at the level of Apple's own replacements for damaged devices.
Apple‘S theft and lost is handled through Assurant also...
https://assurantdeviceclaim.com/
 
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chscag

Contributor
Feb 17, 2008
4,332
1,633
Fort Worth, Texas
Unless you're prone to losing your phone, I would forego getting either loss insurance. Just buy the standard Apple Care + and hang on to your phone!
 
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einmusiker

macrumors 68030
Apr 26, 2010
2,995
350
Location: Location: Location:
I’ve had several successful experiences with Asurion. If you need to file a claim just do it the absolute easiest way. You lost it in a cab. No you don’t know where it is. Yes I’ll pay the deductible thank you for sending the new device the very next day. Pleasure doing business with you. Upload you driver’s license and the application form right online and you probably won’t even have to speak with anyone
 
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DualShock

macrumors 6502a
Original poster
Jun 29, 2008
564
120
I’ve had several successful experiences with assurant. If you need to file a claim just do it the absolute easiest way. You lost it in a cab. No you don’t know where it is. Yes I’ll pay the deductible thank you for sending the new device the very next day. Pleasure doing business with you. Upload you driver’s license and the application form right online and you probably won’t even have to speak with anyone

Thanks! Were your experiences related to a lost iPhone specifically?

Based on Apple's and Assurant's web sites it does seem pretty easy to set up a claim. But I am more interested in the quality of the device that Assurant ships to customers.

I read some horror stories about Asurion (Verizon's contractor) where they refurbish phones themselves and ship out devices that are pieced together with mismatched parts or have faults of their own. I highly doubt Apple would allow Assurant to do that, but I could be wrong. ?
 
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Closingracer

macrumors 601
Jul 13, 2010
4,169
1,728
Unless you're prone to losing your phone, I would forego getting either loss insurance. Just buy the standard Apple Care + and hang on to your phone!

I live in NYC ... it’s nice to have the benefit of lost and theft coverage. Better to have and not use it then not have it and need it. A new device is $799+ depending on iPhone 11 vs pro and etc and size of storage. Deductible is $269 + sales tax.
 
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Rodneyp

macrumors member
Jan 7, 2019
55
27
For me it is all about the cost I prefer AppleCare, but I have insurance from Verizon on my 11 Pro Max because it is ~7.00 a month. It covers loss/thief and extends the warranty for Mfg defects. It does not cover user damage though. Not all areas have this option I found out when I was in Florida and did an upgrade. The sales guy said he wished he could get this plan that he had never seen it before. I plan to keep this phone for 2+ years and I can keep the insurance on it as long as it is financially sensible.
 
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einmusiker

macrumors 68030
Apr 26, 2010
2,995
350
Location: Location: Location:
Thanks! Were your experiences related to a lost iPhone specifically?

Based on Apple's and Assurant's web sites it does seem pretty easy to set up a claim. But I am more interested in the quality of the device that Assurant ships to customers.

I read some horror stories about Asurion (Verizon's contractor) where they refurbish phones themselves and ship out devices that are pieced together with mismatched parts or have faults of their own. I highly doubt Apple would allow Assurant to do that, but I could be wrong. ?

I made a mistake. It wasn’t assurant I used it was asurion on Verizon.I’ve had A brand new device sent in sealed box and also a refurbished one. The refurbished one was in excellent condition
 
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