Square Trade

[BatPhone]

Regardless of what they tell you, make sure you get it in writing. The site clearly shows what i pasted above. If you can get it in writing that they cover full replacement value let us know. Thanks.

Im with you , if i dont get it in writting i will cancel well before the 60 days is up. They have an A+ rating at the BBB . I would think they do things the right way

Cant hurt to try , im skeptical too thats why i called twice and will call Monday as well.

I will gladly post my fingings come Monday eve either way.

 

[RetiredInFl]

Unless they haven't updated their website, either they lied to you or they have no clue what they are talking about. Not sure which is worse. This was copied from their website 2 minutes ago. Also, they will NOT apply any discount coupons against their posted price, so it's $115. What you are describing is what they USED TO DO. If that were the case I would buy the warranty. Evidently too many people dropped their iPhones in the toilet just after the new models were announced so they changed their terms.

I just spoke to 2 different people at Square Trade about full replacement coverage on a 32g. I was told by both people that it will cost $103.99 for 2 yrs w/accidental coverage included. Both reps told me to call Monday and speak to claims if i still have any concerns. I will be calling Monday for sure.

If they support what ive been told then its a great deal as far as im concerned. It will cost $104 for 2 yrs coverage and ill recieve $650 after deductible if a replacement is needed.

So ill pay $100 difference for the phone w/tax and the cost of the plan of $104 . A grand total of $204 . Whats the problem ?

Works for me

 

[JayLenochiniMac]

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When are most people able to "Early Upgrade".

Squaretrade seems like a decent deal if you can make it to the "Early Upgrade" point in your contract. True you will have to sign another 2 year contract, but until the IPhone moves to another carrier you have to stick to At&t.

That's looking at it the wrong way. Even if you purchase it at the early upgrade price, it remains a bad deal for approximately one year after the purchase until you re-qualify for the early upgrade price.

With so many of you upgrading yearly, why are you even considering it? Charge it to an AmEx card and you're covered for 90 days against accidential damage and thefts. Sure, you won't be protected the other 9 months but how many of you consistently drop in the toilet, shatter the screen, lose it or get it stolen year after year?

 

[BatPhone]

Ok well once again......That is the discounted price for the specific iphone insurance. However if you go to the home page and click on "Get a Quote"
then miscellaneous under item then other electronics under that , add price of $700 and new. Next screen you can add accidental damage and also JULY04 discount.......Total price of $103.99.

It will also show 3 yrs coverage for the care plan however they said due to the fact its an iphone the warranty will be written for full coverage of $700 but for only 2 years.

So once again.......I WILL CALL MONDAY AND POST MY FINDINGS THEN

THANKS FOR POINTING OUT THE ...OBVIOUS

 

[RetiredInFl]

Most AMEX cards specifically EXCLUDE cell phones from any of their warranties and loss claims. To see what you have actually look at the actual contract for the AMEX insurance which if you look very hard you can find.

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That's looking at it the wrong way. Even if you purchase it at the early upgrade price, it remains a bad deal for approximately one year after the purchase until you re-qualify for the early upgrade price.

With so many of you upgrading yearly, why are you even considering it? Charge it to an AmEx card and you're covered for 90 days against accidential damage and thefts. Sure, you won't be protected the other 9 months but how many of you consistently drop in the toilet, shatter the screen, lose it or get it stolen year after year?

 

[RetiredInFl]

LOL! The only thing that is quite obvious is that MISCELLANEOUS is not the correct selection. If you did that and got away with insuring an iPhone worse case they would probably reject the claim or at best only give you the $499 when you sent the damaged item to them since when asked what device you are insuring you chose the wrong one. It wasn't "MISCELLANEOUS" it was "CELL PHONE then iPHONE. That's like buying a $1000 camera and telling your insurance company you bought a $1000 piece of jewelry because the rate per $100 for the floater policy on jewelry is less then it would be with the camera when you schedule it.

Even if successful if that's how you plan on "getting around the rules" that is a totally different situation from doing it "by the rules" so your original statement that "they will warranty an iPhone for full value" is totally invalid. It should read "by misrepresenting the product and circumventing the system I can get it insured for full value." But like I said, I'd bet you dinner at Wendy's that if you put in a claim you'd still only get $499-$50 for the 32gig.

You can call them 20x and it won't matter until you make a claim.

Ok well once again......That is the discounted price for the specific iphone insurance. However if you go to the home page and click on "Get a Quote"
then miscellaneous under item then other electronics under that , add price of $700 and new. Next screen you can add accidental damage and also JULY04 discount.......Total price of $103.99.

It will also show 3 yrs coverage for the care plan however they said due to the fact its an iphone the warranty will be written for full coverage of $700 but for only 2 years.

So once again.......I WILL CALL MONDAY AND POST MY FINDINGS THEN

THANKS FOR POINTING OUT THE ...OBVIOUS

 

[JayLenochiniMac]

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Most AMEX cards specifically EXCLUDE cell phones from any of their warranties and loss claims. To see what you have actually look at the actual contract for the AMEX insurance which if you look very hard you can find.

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That's looking at it the wrong way. Even if you purchase it at the early upgrade price, it remains a bad deal for approximately one year after the purchase until you re-qualify for the early upgrade price.

With so many of you upgrading yearly, why are you even considering it? Charge it to an AmEx card and you're covered for 90 days against accidential damage and thefts. Sure, you won't be protected the other 9 months but how many of you consistently drop in the toilet, shatter the screen, lose it or get it stolen year after year?

That's what you wrote in the other thread but as I've said, my AmEx Blue Cash card doesn't appear to contain such an exclusion according to the agreement I received with the card. How do you know this for a fact?

 

[RetiredInFl]

Like I said, it depends on the card. My Costco Amex Business card and my Amex Platinum Cashback Business cards exclude cell phones from some of the programs. It excludes cell phones from "buyer remorse" program and extension of warranty. I returned an iPhone last July to switch from 8-16gig and was charged a restocking fee and it was rejected by Amex as noted in the "buyers remorse" policy they emailed me. However they did give me the 10% refund as a courtesy (and then sent me a 1099 form for the $20 in February). Each card has it's own "benefits" and exclusions. Also, their "extended warranty" when available doesn't cover damage due to misuse like water damage or dropping and glass breakage.

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That's what you wrote in the other thread but as I've said, my AmEx Blue Cash card doesn't appear to contain such an exclusion according to the agreement I received with the card. How do you know this for a fact?

 

[BatPhone]

LOL! The only thing that is quite obvious is that MISCELLANEOUS is not the correct selection. If you did that and got away with insuring an iPhone worse case they would probably reject the claim or at best only give you the $499 when you sent the damaged item to them since when asked what device you are insuring you chose the wrong one. It wasn't "MISCELLANEOUS" it was "CELL PHONE then iPHONE. That's like buying a $1000 camera and telling your insurance company you bought a $1000 piece of jewelry because the rate per $100 for the floater policy on jewelry is less then it would be with the camera when you schedule it.

Even if successful if that's how you plan on "getting around the rules" that is a totally different situation from doing it "by the rules" so your original statement that "they will warranty an iPhone for full value" is totally invalid. It should read "by misrepresenting the product and circumventing the system I can get it insured for full value." But like I said, I'd bet you dinner at Wendy's that if you put in a claim you'd still only get $499-$50 for the 32gig.

You can call them 20x and it won't matter until you make a claim.

Its obvious that you THINK you know it all , wich is really anoying to those of us that actually do.

I only posted what was told to me by 2 different reps at SquareTrade. This isnt my way of getting around anything. Thats why ive said several times i will still call Monday and speak to a claims supervisor cause im still not believing what ive been told. Besides if i dont get exactly what i was promised in writing i will cancel well before my 60 days are up. What do i have to lose ?

So do me a favor and stick your opinions you know where , i dont give a flying f**k what you think

 

[RetiredInFl]

You da man (or whatever)!

Its obvious that you THINK you know it all , wich is really anoying to those of us that actually do.

I only posted what was told to me by 2 different reps at SquareTrade. This isnt my way of getting around anything. Thats why ive said several times i will still call Monday and speak to a claims supervisor cause im still not believing what ive been told. Besides if i dont get exactly what i was promised in writing i will cancel well before my 60 days is up. What do i have to lose ?

So do me a favor and stick your opinions you know where , i dont give a flying f**k what you think

 

[JayLenochiniMac]

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Like I said, it depends on the card. My Costco Amex Business card and my Amex Platinum Cashback Business cards exclude cell phones from some of the programs. It excludes cell phones from "buyer remorse" program and extension of warranty. I returned an iPhone last July to switch from 8-16gig and was charged a restocking fee and it was rejected by Amex as noted in the "buyers remorse" policy they emailed me. However they did give me the 10% refund as a courtesy (and then sent me a 1099 form for the $20 in February). Each card has it's own "benefits" and exclusions. Also, their "extended warranty" when available doesn't cover damage due to misuse like water damage or dropping and glass breakage.

Wirelessly posted (Mozilla/5.0 (iPhone; U; CPU iPhone OS 3_0 like Mac OS X; en-us) AppleWebKit/528.18 (KHTML, like Gecko) Version/4.0 Mobile/7A341 Safari/528.16)



That's what you wrote in the other thread but as I've said, my AmEx Blue Cash card doesn't appear to contain such an exclusion according to the agreement I received with the card. How do you know this for a fact?

Interesting, I wonder if this exclusion applies only to business cards.

Of course, extended warranty will exclude accidential damage. This is expected, as with all warranties.

 

[surfer99]

Any update on this, I believe the OP was going to call squaretrade this morn.

 

[RetiredInFl]

They now have a 30% off coupon APPLE0629 good until 2AM EASTERN TIME tomorrow which does Apply to the iPhone .....

Except for those who get sucked into extended warranties it's still a sucky deal because they will only pay $449 (after $50 deductible) if you break the screen or drown it.

A replacement will cost you $699+TAX for a 32gig if you aren't 18 months into your contract. Still ain't worth it if you do the math.

 

[BatPhone]

Ok well i called and spoke to a Supervisor in SquareTrades claims dept. i was told as follows.....

The reason they are allowing the purchase of a miscellaneous policy to cover the full replacement cost of the iphone is when they changed the warranty prices to include the new phones, AT&T stated the cost for early upgrade to the new Gs would be + $200 over the cost of the new customer price. Thats why they said the replacement value on the 32gs is $499. According to them they didnt have any other numbers for that phone prior to release . They said they will amend the miscellaneous policy to show coverage for an iphone.

I said id report my findings , that is what i was told.

Seems to me it should be easy enough to change the coverage prices ie (replacement value) on the actuall iphone warranty and avoid the confusion of going the miscellaneous route. Personally im not sold on there answer. I think its BS.

State Farm isnt an option since im in Florida and they are pulling out of homeowners coverage in this state Apple care doesnt include accidental coverage does it ? Anyone have any opinions about Compcoach ?

 

[trina27]

Ok, because of this thread I was curious...I'm interesting in coverage for my phone, but if SquareTrade is only covering up to $399 then I'm not sure I will. So, I contacted them through their site.

Here is what I asked:

I am writing for information about insuring an iPhone. I purchased the new iPhone 3GS (16gb) from AT&T and received it on June 19th. Because I was eligible to renew my contract (upgrade) I paid only the $199 price. However, should something happen to it and I need to replace it, I would no longer be eligible for that pricing and would have to pay the full unsubsidized price of $599. However, your website at the time says I would be covered only up to $399. Is this right? Is there anyway to get coverage so that I would be covered at the full $599 price?

And here is their response:

Thank you for contacting SquareTrade.



Please note, we’re offering coverage based on the manufacturer’s listed replacement value for subsidized phones, which covers the majority of iPhone owners.


If you are not eligible for an upgrade (this includes those ATT customers who have purchased “No – commit” iPhones, please choose the 'Miscellaneous' and 'Other Electronics', categories to purchase the warranty. This would ensure that your iPhone is covered for up to what you paid for it.


Hope that answers your question! If not go here to view the contract summary. You can also reply to this email or call 1-877-WARRANTY (1-877-927-7268) US & Canada only, 24/7.

 

[RetiredInFl]

I got a similar answer as did others here.

Their comment is pretty much BS because once a person purchases a phone they are no longer eligible for subsidized pricing for 18 months.

I wouldn't trust that answer as far as I can throw it because on another part of their site it says "Maximum iPhone coverage is $399/$499." I can't understand why they can't SIMPLY change their website to reflect the information they are handing out because when the time comes when you MAY need it you have nothing stating you are covered and while they MAY cover it there is nothing stating they WILL and everything stating they WON'T. Tough choice. I'm going to hang on for a couple more weeks (you have 30 days) to see if they change their website. They are obviously getting a lot of calls on this and if they WANTED TO they could have easily changed their website. Or, you can take it and just cancel it within 60 days.

Ok, because of this thread I was curious...I'm interesting in coverage for my phone, but if SquareTrade is only covering up to $399 then I'm not sure I will. So, I contacted them through their site.

Here is what I asked:



And here is their response:

 

[JayLenochiniMac]

Squaretrade responded:

Please note, we’re offering coverage based on the manufacturer’s listed replacement value for subsidized phones, which covers the majority of iPhone owners.

Except this makes no sense, for it must be purchased within 30 days of iPhone purchase date and nobody would be eligible for the replacement value for subsidized iPhone for as many as 18 months into the contract.

 

[trina27]

Except this makes no sense, for it must be purchased within 30 days of iPhone purchase date and nobody would be eligible for the replacement value for subsidized iPhone for as many as 18 months into the contract.

Not to mention this

choose the 'Miscellaneous' and 'Other Electronics', categories to purchase the warranty. This would ensure that your iPhone is covered for up to what you paid for it.

part of their response. I only paid $199 since I was upgrade eligible. So are they saying I should lie about what I paid for it to get coverage up to $599.


For now, I have a call into my State Farm agent to see if they cover iPhones in this state.

 

[BatPhone]

According to my State Farm agent i was told they do not insure cell phones anymore in Florida. It would only be covered if it were stolen from the home then it would be covered under homeowners.

Someone said Apple costs $199 for replacement ? Apple doesnt cover accidental and the phone is already covered against defect for a year. Why would you need to pay anything ?

 

[yakkonvazn]

that is unfortunate that State Farm will not insure people for their Iphones in certain states. Here in Cali, we are welcomed. Just contacted my long time State Farm office Manager for 15 years (whom I've worked for as well), and she hooked it up. Whilst filling out the applications, she told me a recent story of how another policy holder just put a claim in. Apparently he bricked his iphone and claimed that it was water damaged. State Farm sent the phone to Apple to take care of. They reiterated that it was not due to Manufacturer defect. Nonetheless, he was taken care of. Basically, as long as the item is worth over $400, they will be able to insure you for a Personal Article. Also, for those who ordered online (premier for me) the order confirmation that comes in the box shipment states the unsubsidized price along with subsidized price. Even, though she told me that no need to worry about that and all I needed was a serial number. I also insured my iMac 24"er. Total cost for both was $37/yr.

 

[trina27]

Sad. I did hear back from my State Farm agent's office and was told that no, that do not do a personal articles coverage on iPhones. boo hoo. I may just suck it up and go without any warranty. I have a bad feeling from Square Trade the way their listing is right now.

 

[surfer99]

Sad. I did hear back from my State Farm agent's office and was told that no, that do not do a personal articles coverage on iPhones. boo hoo. I may just suck it up and go without any warranty. I have a bad feeling from Square Trade the way their listing is right now.

What state are you in?

 

[trina27]

What state are you in?

North Carolina

 

[RetiredInFl]

If you break the screen which is one of the 2 primary issues that Squaretrade deals with, Apple will swap it out for $199.95 even if it is out of their warranty so you REALLY don't need Squaretrade for that. If you waterlog it which is the other most common reason for replacement or kill it for any other reason there is a POSSIBILITY Apple will do the same $199 swap for you if you are under the 1 year original warranty or have Applecare for year 2. Basically that's their "repair charge" for a non-warranty covered repair that happens under their 1 year or extended warranty. They don't repair, they swap with a reconditioned. So no, they don't REALLY cover for ADH but the 2 most common reasons for needing ADH might be covered for a $199 exchange fee.

Someone said Apple costs $199 for replacement ? Apple doesnt cover accidental and the phone is already covered against defect for a year. Why would you need to pay anything ?

 

[BatPhone]

If you break the screen which is one of the 2 primary issues that Squaretrade deals with, Apple will swap it out for $199.95 even if it is out of their warranty so you REALLY don't need Squaretrade for that. If you waterlog it which is the other most common reason for replacement or kill it for any other reason there is a POSSIBILITY Apple will do the same $199 swap for you if you are under the 1 year original warranty or have Applecare for year 2. Basically that's their "repair charge" for a non-warranty covered repair that happens under their 1 year or extended warranty. They don't repair, they swap with a reconditioned. So no, they don't REALLY cover for ADH but the 2 most common reasons for needing ADH might be covered for a $199 exchange fee.

Ok now i understand what you have been comparing. So Apple is pretty good about handling non warranty issues. So they take yours and swap out with a fixed/recon and then do the same with my broken phone. Makes sense as they cant sell reconditioned phones anyway at full value.

I appreciate your explanation , now i understand where you were coming from.

THANK YOU