Orlando Harmon
Apple offers AppleCare+ insurance for iPhones, which includes theft and loss coverage, unlimited incidents of accidental damage protection, and battery services. AppleCare+ is generally cheaper than wireless carrier insurance, although deductible prices are about the same. Wireless carriers such as Verizon, T-Mobile, and AT&T also offer phone insurance plans similar to AppleCare+, with some carriers including additional benefits such as subscriptions to security software or hardware upgrade options.
| Characteristics | Values |
|---|---|
| 24/7 Access to Apple Experts | Available via chat or phone |
| Same-day Service | Available in most major metropolitan areas worldwide |
| Express Replacement Service | Available |
| Mail-in Repair | Available using a prepaid shipping box provided by Apple |
| Carry-in Repair | Available at an Apple Store or other Apple Authorized Service Provider |
| Theft and Loss Coverage | Available in eligible countries |
| Accidental Damage Protection | Unlimited incidents |
| Battery Service | Available if the battery retains less than 80% of its original capacity |
| AppleCare+ with Theft and Loss | Provides repair or replacement hardware service with unlimited incidents of accidental damage protection and up to two incidents of theft or loss coverage every 12 months. Each incident is subject to a service fee or deductible |
| Verizon's Mobile Protect Plans | Include unlimited screen repair and data recovery services |
| AT&T's Protect Advantage Plans | Offer device insurance for a single device or multiple devices, with the latter supporting up to four phones, tablets, smartwatches, or connected laptops |
| T-Mobile's Insurance Plans | Include Basic Device Protection and Protection 360 plans |
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What You'll Learn
AppleCare Plus vs. phone insurance
When you buy an expensive device like an iPhone, iPad, Mac, or Apple Watch, it is important to consider how to protect it. Apple advertises AppleCare Plus as a protection option when you buy an iPhone, and you can sign up directly from your phone's settings menu for 60 days after you purchase the device. However, AppleCare Plus is not the only option for insuring your phone, and there are several other insurance plans to choose from.
AppleCare Plus is typically the cheapest option, but it may not be the best option for everyone. AppleCare Plus focuses solely on the phone itself, with limited access to supporting you through changes to your wireless service. It covers unlimited incidents of accidental damage, theft, and loss, and includes 24/7 priority access to Apple experts, same-day service in most major metropolitan areas, and express replacement service. The basic plan costs $199 for two years, with a $29 deductible for screen replacement, $58 for the screen and back glass, and $99 for other accidental damage. Theft and loss protection can be added for an additional fee of $70 for two incidents in a 12-month period, with a $149 deductible.
On the other hand, phone insurance through your wireless carrier offers comparable coverage for repairs, theft, and loss. Carriers like Verizon, T-Mobile, and AT&T offer phone insurance plans similar to AppleCare Plus and sometimes process repairs through Apple. They also offer multi-device insurance options, allowing you to bundle coverage for other devices like smartwatches or tablets. Some carriers include additional benefits, such as subscriptions to security software or hardware upgrades.
Third-party warranty providers like SquareTrade, Asurion, and AKKO also offer competitive rates, flexible coverage, and customer service assistance. They often cover accidental damage, theft, and loss, and may be more affordable than AppleCare Plus. However, their repair networks and customer support may not be as extensive as Apple's, and they may not use genuine Apple parts for repairs.
Ultimately, the decision between AppleCare Plus and phone insurance depends on your specific needs and preferences. AppleCare Plus offers comprehensive coverage and convenient access to Apple experts, while phone insurance through your carrier can provide similar coverage and may include additional benefits. Third-party warranty providers offer a cost-effective alternative, but their services may vary. It is important to research the specific coverage options, deductibles, and benefits offered by each provider to determine which plan is the best fit for you.
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AppleCare Plus vs. Verizon, T-Mobile and AT&T insurance plans
AppleCare+ is a comprehensive insurance plan that comes included with the iPhone Upgrade Program. It covers hardware failures and up to two incidents of accidental damage every 12 months, subject to service fees. It also offers priority access to Apple support and express replacement services. However, it does not cover theft or loss unless you pay an additional fee. AppleCare+ is typically the cheapest option, but it only covers Apple devices and has limited support for wireless service issues.
Verizon offers three insurance plans: Mobile Protect, Total Equipment Coverage, and Wireless Phone Protection. Starting April 27, 2023, Verizon's Mobile Protect plan reduced deductibles to $99 and removed the screen repair deductible. The Wireless Phone Protection plan is cheaper and offers higher deductible prices for loss and theft, but it also includes a $99 deductible for damage and cracked screen repair for no additional cost. Verizon's plans may be appealing to those who regularly break their screens. The multidevice plans include coverage for smartwatches and tablets, in addition to phones.
T-Mobile offers two plans: Protection 360 and Insurance Device Protection. Protection 360 has lower repair deductibles and provides same-day repairs, while Insurance Device Protection offers next-day or longer repairs. Protection 360 exclusively includes McAfee Security with ID Theft Protection, JUMP! Upgrades, unlimited screen protector replacements, and AppleCare for Apple devices. At $18 per month for an iPhone 13, Protect 360 is the most expensive carrier plan and may not be worth it for most people.
AT&T insurance provides a longer service contract and insures your device against more events such as burglary, misfortune, and accidental damage. It also offers free same-day battery replacements. AT&T insurance costs $8.99 per month and may be a better option for those seeking longer coverage and protection against more types of damage.
When choosing between AppleCare+ and insurance plans from Verizon, T-Mobile, or AT&T, consider the cost, the level of coverage, and the specific benefits offered by each plan. AppleCare+ is the cheapest option, but it only covers Apple devices. Carrier insurance plans offer multidevice coverage and may provide better support for wireless service issues. Additionally, carrier plans may offer additional benefits such as security software subscriptions or hardware upgrades.
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Theft and loss coverage
Apple offers theft and loss coverage for iPhones through its AppleCare+ with Theft and Loss insurance policy. This provides up to two incidents of theft or loss coverage every 12 months, each subject to a deductible and applicable taxes.
To be eligible for theft and loss coverage, the "Find My" feature must be enabled on the device at the time it is lost or stolen and throughout the claims process. This allows users to mark their iPhone as lost using the Find My app or by going to iCloud.com/find. It is important to note that the device should not be removed from the account until the claim has been fully approved.
The AppleCare+ with Theft and Loss plan offers peace of mind for iPhone owners who are concerned about the potential risks of theft or loss. While some may consider it unnecessary, others find it valuable, especially in situations where theft or loss is more likely to occur. Ultimately, the decision to purchase theft and loss coverage is a personal one, depending on individual risk assessments and past experiences.
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Accidental damage protection
Apple offers its customers AppleCare+, an insurance and extended warranty program that provides accidental damage protection for Apple devices, including iPhones. AppleCare+ for iPhone offers unlimited incidents of accidental damage protection and up to two incidents of theft or loss coverage every 12 months. Each incident is subject to a service fee or deductible.
AppleCare+ for iPhone starts at $7.99 per month or $79.99 per year. The cost of repairs varies depending on the device and the type of damage. For example, screen repair costs $29, while other damage repairs cost $99. It's important to note that AppleCare+ only covers a limited number of out-of-warranty repairs, after which customers will need to pay the full price.
Apple also offers AppleCare+ for other devices, such as Apple Watch, Apple TV, HomePod, and AirPods. The monthly payments for AppleCare+ vary depending on the device, starting at $2.49 per month for Apple Watch and $4.99 per month for HomePod. AppleCare+ for Apple TV costs $9.99 per year and includes global repair and replacement coverage for the device, remote, and power cord.
AppleCare+ provides customers with peace of mind by offering protection against accidental damage, theft, and loss. It also includes priority access to Apple experts, same-day service in major metropolitan areas, express replacement service, and mail-in repair options. Apple's Self Service Repair Program also allows users to fix their iPhones using certified parts and tools.
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Battery service
Apple offers iPhone insurance through its AppleCare+ plans. Although Apple notes that this is not an insurance policy, it does include some insurance-like features, such as the ability to make a claim against an insurance company if Apple fails to provide service. AppleCare+ includes battery service coverage, which means that if your iPhone battery holds less than 80% of its original capacity, you can get it replaced free of charge. This service is only available if you have AppleCare+, and your device will be inspected upon receipt, so you may have to pay additional fees if other issues are found.
The Apple Limited Warranty covers your iPhone and Apple-branded accessories that come with it against manufacturing issues for one year from the date of purchase. This includes adapters, spare cables, wireless chargers, and cases. The warranty is in addition to rights provided by consumer law, and depending on the issue, you may also have coverage under AppleCare+. However, it's important to note that the warranty does not cover batteries that wear down from normal use.
If you want to review the potential costs of battery replacement services, you can use Apple's "Get an Estimate" tool. This tool will provide an estimate of the service fee, which may vary if you choose a third-party service provider. It's worth mentioning that hardware service may not be available for older iPhone models.
Apple also offers an Express Replacement Service, where they will ship you a replacement device so you don't have to wait for a repair. This service is available for Apple Watches with AppleCare+ coverage.
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Frequently asked questions
Apple offers AppleCare+ insurance for iPhones and Apple Watches. It provides repair or replacement services, unlimited incidents of accidental damage protection, and theft and loss coverage.
AppleCare+ includes 24/7 priority access to Apple experts via chat or phone, express replacement service, mail-in repair, and carry-in repair. It also covers battery services if the device's battery retains less than 80% of its original capacity.
AppleCare+ is generally cheaper on a monthly basis compared to wireless carrier insurance plans offered by companies like Verizon, AT&T, and T-Mobile. However, deductible prices are similar across the board.
AppleCare+ provides direct access to Apple experts for troubleshooting, connecting to wireless networks, and using iPhone apps. It also offers same-day service in most major metropolitan areas worldwide.
AppleCare+ is worth considering if you're primarily concerned with device recovery after accidental damage or theft, as it offers comprehensive coverage at a relatively low cost. However, if you're looking for additional perks and services, you may want to explore the insurance plans offered by wireless carriers, which often include benefits beyond just repair and replacement.
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