Worth Ave Insurance for iPhone X/8?

seeforyourself

macrumors 6502
Original poster
Dec 1, 2014
326
178
Hello guys!

So I am thinking about finally upgrading my iPhone SE to a X or an 8 soon.


I am going to be buying the phone all out and don't think Apple care + is good enough for me.


I just have the fear of being jumped or leaving my iPhone at a bar, cab, etc...


I just looked into Worth Ave Insurance and saw that for $8.25 p/month I can get my iPhone insured for a year (I'll sell my phone for the new one next year).

It comes out to about $90 and it covers everything that apple care covers PLUS loss/theft.

If you need to make any sort of claim, you need to pay a $50 deductible which isn't bad considering it costs $30 for a broken screen from Apple and it's still much more expensive for apple care +.

Have any of you give Worth Ave a try? Did you have to ever go through a claim? How was your experience?

I'm also considering it for my next MacBook Pro.
 

BeefSupreme

macrumors regular
Sep 19, 2012
225
247
The problem with outside insurance companies, for pretty much any product is timeliness. Theyre pretty good about taking your money. Not so fast in getting things fixed/paid for.
 
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nycxaxez

macrumors member
Feb 24, 2010
58
18
You can also purchase AppleCare + with your new phone and then when you sell your phone, you can request a refund from Apple for the unused time (so you'd get back approximately half of what you paid for the protection plan). I always go with Apple because of the convenience of going directly through them - if there's some sort of issue, I trust Apple to be more helpful in most cases (at least when compared to an insurance plan from a carrier or some third party). Personally, if I'm already going for some sort of insurance policy, AppleCare + is the way to go - any amount that I'd save from going through some other company would be outweighed by the decrease in peace of mind. AppleCare + might be a bit more expensive, but I know, in most cases, I'll have less issues going through Apple for service issues.
 

seeforyourself

macrumors 6502
Original poster
Dec 1, 2014
326
178
You can also purchase AppleCare + with your new phone and then when you sell your phone, you can request a refund from Apple for the unused time (so you'd get back approximately half of what you paid for the protection plan). I always go with Apple because of the convenience of going directly through them - if there's some sort of issue, I trust Apple to be more helpful in most cases (at least when compared to an insurance plan from a carrier or some third party). Personally, if I'm already going for some sort of insurance policy, AppleCare + is the way to go - any amount that I'd save from going through some other company would be outweighed by the decrease in peace of mind. AppleCare + might be a bit more expensive, but I know, in most cases, I'll have less issues going through Apple for service issues.
The problem is that Apple care+ doesn't cover loss/theft. I live in New York City and it's very risky here. Especially at crowded bars/clubs. People pick pocket like crazy!
 

nycxaxez

macrumors member
Feb 24, 2010
58
18
The problem is that Apple care+ doesn't cover loss/theft. I live in New York City and it's very risky here. Especially at crowded bars/clubs. People pick pocket like crazy!
True - that is probably one of the biggest drawbacks of AppleCare +. I lived in NYC for 30 years and I was lucky that I never had anything, including my iPhone, stolen. Still, I know how often smartphones, especially iPhones, are stolen on the streets and in trains. I guess my trust of AppleCare + over the carrier or 3rd parties' insurance plans made me take that leap of faith that I wouldn't lose it or it wouldn't get stolen. But I realize that doesn't mean anything - anyone's phone can be stolen or lost at any time. If that is a serious factor for you, continue to do your research to find a plan that won't make it a huge hassle for you if you need to make a claim. Insurance companies often do make it a hassle to get money back, otherwise they wouldn't be making a profit. At the end of the day, though, insurance and/or a protection plan is peace of mind, and you should go with the option that makes you worry the least.
 

mlpsponzischeme

macrumors regular
Jun 16, 2009
118
24
Hello guys!

So I am thinking about finally upgrading my iPhone SE to a X or an 8 soon.


I am going to be buying the phone all out and don't think Apple care + is good enough for me.


I just have the fear of being jumped or leaving my iPhone at a bar, cab, etc...


I just looked into Worth Ave Insurance and saw that for $8.25 p/month I can get my iPhone insured for a year (I'll sell my phone for the new one next year).

It comes out to about $90 and it covers everything that apple care covers PLUS loss/theft.

If you need to make any sort of claim, you need to pay a $50 deductible which isn't bad considering it costs $30 for a broken screen from Apple and it's still much more expensive for apple care +.

Have any of you give Worth Ave a try? Did you have to ever go through a claim? How was your experience?

I'm also considering it for my next MacBook Pro.
I had a claim and it was super easy. Took the phone to Apple, sent them the receipt, and received a check minus the deductible.
 

HDFan

macrumors 68000
Jun 30, 2007
1,506
367
I just looked into Worth Ave Insurance
Yelp has some scathing review of Worth:

https://www.yelp.com/biz/worth-ave-group-stillwater

but unsure whether this one in Stillwater is the same one you mention.

AppleCare is the way to go for hardware issues. I've had two phones replaced. Just walked in and they gave me a replacement. You also get that great phone support for software or other issues. For loss/theft I would work with your renters/homeowners insurance broker to make sure it would be covered under your policy.
 

JulesJam

Suspended
Sep 20, 2014
2,537
300
The problem is that Apple care+ doesn't cover loss/theft. I live in New York City and it's very risky here. Especially at crowded bars/clubs. People pick pocket like crazy!
If you pay your cell phone bill in full with a Wells Fargo VISA, it provides theft insurance with a $25 deductible up to $600.

https://www.wellsfargo.com/credit-cards/features/cell-phone-protection/

https://www08.wellsfargomedia.com/assets/pdf/personal/credit-cards/agreements/cell-phone-protection-guide-benefits.pdf

If you pay full retail with an AMEX, you get an additional year of warranty. And if you pay your cell phone bill with a WF VISA, you get theft protection. You can also buy Apple Care+.