iPhone XS Max Refund on apple care after paying off iphone

zztops

macrumors member
Original poster
Sep 9, 2016
84
52
Hey Everyone,

I was wondering if you could get a refund on your Apple Care + after paying off your iphone on the IUP?
 

tony_glasgow

macrumors member
Jul 16, 2015
64
28
UK
I've previously done that in the UK, after trading in my iPhone 7 during IUP (instead of handing phone back). AppleCare was refunded protorata to the day I cancelled it and paid back into the finance agreement, so repayments finished early.
 

zztops

macrumors member
Original poster
Sep 9, 2016
84
52
Interesting. I just called Apple and they said that I wasn’t entitled to a refund due to it being monthly? Even though I’d be paying the phone off and thus paying for it up front for the remainder
 

kupkakez

macrumors 68000
Apr 4, 2011
1,842
669
Austin, TX
Interesting. I just called Apple and they said that I wasn’t entitled to a refund due to it being monthly? Even though I’d be paying the phone off and thus paying for it up front for the remainder
only gets refunded if you paid for it all at once. Because they prorate what to give you back based on how many months you’ve had it and how many are left.

Monthly just cancel it and that’s it. No refund.

edit to add: if you have the iPhone upgrade program it should have came with the full price Apple care? Did it not? You’re paying monthly for ac+? I’ve had citizens refund ac+ previously when i decided to jump off iup and just pay full cost
 

zztops

macrumors member
Original poster
Sep 9, 2016
84
52
only gets refunded if you paid for it all at once. Because they prorate what to give you back based on how many months you’ve had it and how many are left.

Monthly just cancel it and that’s it. No refund.

edit to add: if you have the iPhone upgrade program it should have came with the full price Apple care? Did it not? You’re paying monthly for ac+? I’ve had citizens refund ac+ previously when i decided to jump off iup and just pay full cost
Your edit note was correct. My current situation is exactly like your previous one. Ditching IUP and paying new phone in full. After an hour on hold and 3rd time calling. "Agreements" department said that it was technically a pay in full purchase that is being paid off monthly to citizens and that cancellation just sends the prorated amount as a refund to the citizens loan. Thus decreasing my total pay off amount. Crazy how I had to pull teeth for that to happen though.

Thanks all for the assistance.
 
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Morrissey

macrumors member
Mar 17, 2018
37
17
San Diego, California
So if I bought the AppleCare+ (for lost/theft) for my iPhone XSMax (paid $299 dls - warranty till Dec 2020), and I trade-in that iPhone... I need to call Apple before the trade-in and I could get a refund for like 50% :eek: is that correct?!
 
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gadgetfreaky

macrumors 65816
Oct 28, 2007
1,193
389
Your edit note was correct. My current situation is exactly like your previous one. Ditching IUP and paying new phone in full. After an hour on hold and 3rd time calling. "Agreements" department said that it was technically a pay in full purchase that is being paid off monthly to citizens and that cancellation just sends the prorated amount as a refund to the citizens loan. Thus decreasing my total pay off amount. Crazy how I had to pull teeth for that to happen though.

Thanks all for the assistance.
that really is not how it should work. Unused prepaid warranties should be refunded on request.

their arguemnt is well the device still has apple care on it...but you should be able to apply the cancelled portion automatically with a button click. they make it hard on purpose
 
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jbachandouris

macrumors 601
Aug 18, 2009
4,481
1,407
Upstate NY
That's the annoying part of IUP. I have technically purchased Apple Care in full and when I trade my phone in, it should automatically refund the second year.

If what they told you is correct, that makes life a lot simpler. Calling for refunds with any company is such a pain in the rear.
 

newellj

macrumors 604
Oct 15, 2014
7,290
2,304
East of Eden
that really is not how it should work. Unused prepaid warranties should be refunded on request.

their arguemnt is well the device still has apple care on it...but you should be able to apply the cancelled portion automatically with a button click. they make it hard on purpose
I get that - but the other side is that unlike a monthly-billed AC+ plan, the OP will (or at least darned well better) have coverage through the end of the two year period, rather than having AC+ coverage expire when he pays off the loan.