Worth Ave. Group - the BEST!
Within two months of purchasing my iPad, I knew I had to find some independent insurance coverage, especially since I am a college student and replacing this $700 iPad would be next to impossible if something were to happen. So after a google search, comparing the top three sites (Worth, Square, ipadinsurance.com) and reviewing their BBB ratings, I went with Worth Ave. Group. (Another reason I chose them is because they are based in Stillwater, Oklahoma - where Okla. State Univ. is, which my dad is alum, and I grew up in OK).
My policy is an umbrella policy for college students, so it covers all of my devices (iPad, laptop, iPod), but it only cost $60 for 12 months of coverage with a $50 deductible - and ACCIDENT COVERAGE. Their accident coverage covers: drops, spills, theft, vandalism - for your iPad and a case or docking station - no matter where you are. I HIGHLY recommend this for people that travel b/c homeowner's insurance isn't practical and it doesn't go with you.
Within two months of purchasing the policy, I had an accident. The screen was cracked in multiple places in the corners, there were dents around the silver frame, and (best of all) there was a split down the middle of the screen - top to bottom. That was depressing for a few hours, until I remembered that I had iPad insurance with accident coverage. I googled the cost of repairs and found a shady store that supposedly replaces iPad screens (which the IRS should probably audit), but I didn't feel warm and fuzzy about that place, so I went straight to the Apple store, which is where I learned that they don't replace iPad screens - they replace the entire device (talk about a money making scheme). So a guy at the Genius Bar printed out a Diagnostic Report that detailed the damage and the only Solution: Replace device.
I faxed my claim forms, a copy of my original purchase receipt and Apple's Diagnostic Report to Worth Ave. Group, and the very next afternoon a rep from their Claims Dept. called. She said that my claim was approved and I just needed to send them my iPad. I shipped it to arrive on a Wednesday, and the very next day my check was mailed - for the full purchase price minus my $50 deductible.
This was the MOST painless process ever. I faxed my documents; my claim was approved the very next day; I shipped my iPad; and got a check. Minus the 3-week delay (completely my fault), this only took 7 days from start to finish. I HIGHLY recommend Worth Ave. Group and dont forget to add Accidental Coverage!
