Orlando Harmon
Amazon offers a range of product protection plans for phones, including a 2-year plan, provided through third-party insurance providers such as SquareTrade (owned by AllState), Asurion, and Assurant. The cost of these plans varies depending on the phone's value, ranging from $100 to $399.99, with deductibles applying to most claims. While some customers have praised the value for money and ease of filing claims, others have complained about issues with coverage, poor customer service, and difficulties with the website. Ultimately, the worth of a two-year Amazon phone insurance plan depends on various factors, including the likelihood of needing to make a claim, the cost of the plan relative to the phone's value, and the reliability of the insurance provider.
| Characteristics | Values |
|---|---|
| Price | $100 - $124.99 (ASURION) |
| $150 - $199.99 (Assurant) | |
| $200 - $399.99 (Allstate) | |
| Deductible | $25 for phones $100-$199.99 |
| $50 for phones $200-$399.99 | |
| $100 for phones $400-$2,000 | |
| Customer Service | ASURION: good |
| Assurant: poor | |
| Allstate: poor | |
| Ease of Use | ASURION: easy |
| Assurant: easy | |
| Allstate: difficult | |
| Value for Money | ASURION: good |
| Assurant: poor | |
| Allstate: good |
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What You'll Learn
Pros and cons of Amazon's third-party phone insurance providers
Amazon product protection plans are offered through third-party insurance providers such as SquareTrade (owned by AllState), Asurion, Assurant, and Mulberry. While purchasing insurance for your phone through Amazon may seem like the most convenient option, there are some pros and cons to consider when it comes to their third-party providers.
Pros
One of the biggest pros of Amazon's third-party phone insurance providers is that they offer a range of coverage options for various phone issues, including accidental damage, mechanical and electrical breakdowns, and even jewellery protection for resetting stones, untangling knots, and mounting repairs. Additionally, customers have reported that these insurance plans are easy to use, with a simple process for filing claims and quick resolution times. The cost of shipping the device back to the provider and the cost of repair are often included in the coverage. The protection plans are also reasonably priced, with some customers calling them a "great value" and "worth the small price".
Cons
One of the main cons of Amazon's third-party phone insurance providers is that they can be difficult to work with. Some customers have reported issues with getting their claims approved and have had to deal with hidden fees and deductibles. There have also been instances where insurance providers have tried to hide behind fine print, with one customer reporting that Assurant pawned the responsibility of replacing a phone off on the manufacturer, resulting in a back-and-forth situation. Another con is that Amazon has to charge more for these insurance plans because they are paying the insurance companies for their services, which may result in higher prices compared to purchasing insurance directly from a provider.
Overall, while Amazon's third-party phone insurance providers offer convenient coverage options with reasonable prices, there have been mixed reviews regarding the ease of working with these providers and their adherence to fine print. It is essential to read the fine print carefully and consider all options before making a decision.
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Cost of insurance vs cost of a new phone
The cost of cell phone insurance varies depending on the insurance carrier, the type of phone, and the deductible. Basic phone insurance plans can range from $6.75 to $199.99. For example, the Assurant 2-Year Unlocked Mobile Phone Protection Plan with Accidental Damage is priced between $150 and $199.99, while the ASURION 2-Year Mobile Phone Accident Protection Plan is priced between $100 and $124.99. The price of the AT&T Mobile Protection Pack is $12 per month per phone, while the T-Mobile enhanced protection package is priced between $9 and $12 per month.
On the other hand, the average cost of a cell phone is around $550, and it is not uncommon to find phones that cost over $1,000. If you have an iPhone or Galaxy, you can purchase insurance directly through Apple (AppleCare) or Samsung (Samsung Care+)>, with prices starting at $3.99 per month.
While cell phone insurance can provide peace of mind and protect against financial strain in the event of damage or loss, it is important to consider the long-term costs. Monthly insurance premiums can add up over time, and you may end up overpaying if you never need to file a claim. Additionally, some insurance plans have limitations and restrictions, and you may receive a refurbished replacement phone instead of a new one.
Alternatively, you can invest in a protective case for your phone, such as an Otterbox, which can be purchased at a discount on sites like eBay or Amazon, typically ranging from $30 to $100. If your phone does suffer damage, you can also explore local repair shops or even attempt to fix it yourself using free step-by-step repair manuals available online.
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Ease of filing a claim
When it comes to filing a claim with Amazon's two-year phone insurance, customer experiences vary depending on the insurance provider. Amazon's phone protection plans are serviced through third-party providers, including SquareTrade (owned by AllState), Asurion, and Assurant.
For SquareTrade, some customers have reported difficulties with the claims process. One reviewer mentioned that it took a few days to initiate a claim and that the online claim system didn't work well. However, they eventually received a positive response from a representative over the phone. Another customer shared a similar experience, stating that it took some time and persistence to get their claim resolved.
On the other hand, Asurion has received positive feedback for its prompt and efficient claims process. Several customers have mentioned that filing a claim was easy and quick, and they received fast reimbursement. One reviewer specifically mentioned that they submitted a claim online and were directed on where to take their phone for repair.
Assurant's claims process has received mixed reviews. One customer praised the service, stating that they received a full refund after submitting a claim for a damaged phone. However, another reviewer encountered challenges with Assurant hiding behind fine print and having difficulty resolving their issue.
It's important to note that the ease of filing a claim can depend on various factors, including the specific circumstances of the damage, the clarity of the insurance policy, and the responsiveness of the insurance provider.
Overall, while there are some positive experiences, it's advisable to carefully review the terms and conditions of the insurance plan and research customer feedback to make an informed decision about the ease of filing a claim with Amazon's two-year phone insurance.
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Customer service
Customer reviews of Amazon's two-year phone insurance plans are mixed. Some customers are satisfied with the speed, ease, and coverage of the warranty, describing the customer service as "excellent" and "hassle-free". However, others have reported negative experiences, with some describing the insurance as a scam and a waste of money.
Some customers have praised the speed and efficiency of the customer service provided by Amazon's insurance partners, such as Asurion. One customer reported receiving a credit for a new phone almost immediately after their phone stopped working. Another mentioned that their issue was resolved "very quickly" and that they received their new phone within two days. Several customers also appreciated being able to contact a real person on weekends and nights, even if their issue was not resolved.
On the other hand, some customers have reported difficulties in filing claims and unhelpful customer service. One customer described the process of filing a claim as a circular process, claiming that they were given the runaround and that the insurance provider would do everything they can to hide behind their fine print. Another customer reported that they had to be demanding to get the services they paid for, and that they had to wait a long time to receive a call back.
Overall, while some customers have had positive experiences with Amazon's two-year phone insurance plans, others have encountered challenges and felt that the insurance was not worth the cost. It is important for customers to carefully review the terms and conditions of the insurance plan before purchasing, to ensure that they understand the coverage and claims process.
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Coverage of insurance
Amazon offers two-year phone insurance through third-party insurance providers such as Asurion, Assurant, and SquareTrade. The coverage of these insurance plans varies depending on the provider and the specific plan chosen. Here is an overview of the coverage provided by each insurance provider:
Asurion
Asurion offers a 2-year mobile phone accident protection plan priced between $100 and $124.99. This plan covers accidental damage, and customers have reported receiving full refunds or reimbursements for the purchase price of their phones. The plan also includes a SIM card, which provides additional protection and is considered a great value by customers.
Assurant
Assurant offers a 2-year unlocked mobile phone protection plan with accidental damage coverage for phones priced between $150 and $199.99. This plan covers mechanical and electrical breakdowns, and if the phone cannot be repaired, Assurant will provide a new or refurbished replacement, a gift card, or a cash settlement equal to the purchase price. However, there have been some negative reviews mentioning issues with fine print and difficulties in dealing with the manufacturer.
SquareTrade
SquareTrade offers a 2-year accident protection plan for phones, with coverage of up to $499 worth of damage for a $50 deductible. The plan has a deductible structure based on the phone's price, ranging from no deductible for phones under $99.99 to a $100 deductible for phones priced between $400 and $2,000. SquareTrade's plan can be purchased separately and is not limited to phones bought on Amazon. However, there are mixed reviews regarding their customer service and coverage, with some customers reporting issues with plan validity and fraud.
Allstate
Allstate offers a 2-year cell phone protection plan priced between $200 and $399.99. This plan includes a deductible structure similar to SquareTrade's, with no deductible for phones under $99.99 and a $100 deductible for phones priced between $400 and $2,000. The plan can be cancelled at any time, with a full refund available within the first 30 days. While Allstate's plan is sold through Amazon, it is important to note that Amazon does not provide a selection of SquareTrade product protection plans, so buyers should research and choose the plan that best suits their needs.
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Frequently asked questions
Amazon offers two-year phone insurance plans through third-party insurance providers, including SquareTrade (owned by AllState), Asurion, and Assurant. The cost of these plans ranges from $100 to $399.99, depending on the phone's value. While some customers have reported positive experiences with quick reimbursements and easy claims processes, others have encountered issues with fine print, poor customer service, and non-coverage of specific types of damage. Ultimately, the worth of the insurance depends on individual needs and experiences.
Two-year Amazon phone insurance plans provide peace of mind and financial protection in the event of accidental damage to your phone. They offer reimbursement or repair services, with deductibles ranging from $0 to $100, depending on the phone's value.
The coverage varies depending on the insurance provider. For example, Asurion covers accidental damage, while Assurant covers mechanical and electrical breakdowns after the manufacturer's warranty expires. SquareTrade has been known to cover water damage, although there are conflicting reports regarding their willingness to honor claims.
The claims process depends on the insurance provider. For Asurion, you'll need to mail the device to them using a provided label. With Assurant, you can submit a claim online and follow their instructions for repair or replacement. SquareTrade also allows online claims, but some customers have reported issues with their online system.
Yes, you can cancel two-year Amazon phone insurance plans at any time and receive a full refund within the first 30 days. After the initial 30 days, you may still be able to cancel, but the refund amount may be prorated or subject to other terms and conditions.
