Applecare+ vs. At&t insurance – Is carrier insurance better than Apple insurance?

Most people go for Apple devices since they have impressive features. You, however, have to pay a lot to get on one. Protecting such a device should be every customers’ priority.

While some people choose the extended warranty from Apple, others prefer carrier insurance. Though both can protect your device, they are not equal. You have to find out what distinguishes them before settling for one option. That is where we come in. We will help you explore Applecare+ and AT&T insurance to make your selection easier. Read on!

What are the differences between Applecare+ vs. att insurance?

Name	Applecare+	AT&T insurance
Coverage	Accidental damage and malfunctions	Accidental damage and theft and loss.
Claims	Two claims per 2 years	Two claims per year
Monthly cost	$9.99	$8.99
Cracked screen deductible	$29	$49
Other damage deductibles	$99	$250

 

Applecare+ vs. att insurance- How do they compare

• Cost

The initial cost of Applecare+ is $9.99, while the deductible for a cracked screen is $29. If your smartphone experiences any other kind of damage, you may have to pay $99 as the deductible to get it fixed. AT&T insurance, on the other hand, costs $8.99 per month. Cracked screen deductible goes for $49, while other damage deductibles cost $250. Though Applecare+ may be a bit costlier to purchase, it has more reasonably priced deductibles compared to AT&T insurance.

• Claims

Both Apple and AT&T allow customers to file claims in case a smart device needs repair or replacement. If your device is covered under Applecare+, you can file claims twice in 2 years. AT&T is, however, more lenient than Applecare+ when it comes to filing claims since it allows you to file two claims per year.

• Repairs

Before choosing an insurance plan, you should also understand the kind of repairs you should expect from it. Apple repairs smart devices under the Applecare+ plan using quality components, while AT&T repairs smart devices under the mobile insurance using third party parts. Applecare+, therefore, comes with better repair services compared to AT&T insurance.

Applecare+ vs. att insurance- A comparison overview

Applecare+ overview

Apple knows that its products are expensive. This company, however, pays attention to every crucial detail. It builds most of its products using high-quality components. Apart from offering quality devices, it has come up with its own insurance plan known as Applecare+.

This insurance plan can cover Apple devices for at least two years. Most people find it to be a good plan since it covers the basics such as manufacturing defects and accidental damage incidents. If, for instance, a covered iPhone drops and cracks, you can get it easily repaired without incurring the original repair costs. Screen repairs cost a deductible of $29. If the entire device needs replacing, you will have to pay a deductible of at least $99. This is cheaper than getting a new Apple smart device.

Though Applecare+ covers most damage situations, this insurance plan does not cover loss or damage. The company has, however, come up with another plan that can cover such situations. The cost of this insurance plan is $9.99 per month. You can either pay for it when you buy an Apple product from Apple or 60 days after purchase.

If you have any issues using a smart device covered under this plan, you can enjoy excellent support from the company for at least two years. During the warranty period, you can file two claims per 24 months. Some people feel that this is a bit limiting compared to what other options offer.

Pros

• It covers devices for at least two years.
• The company offers excellent phone support.
• Repairs are done using quality components.
• It is reasonably priced.

Cons

• It does not cover theft or loss.
• Some customers reveal that certain repairs take time.

Att insurance overview

Most customers who don’t purchase smartphones directly from a manufacturer get them from cell phone carriers. If you choose to be an AT&T customer, you should consider getting a protection plan for the device alongside your purchase. AT&T offers mobile insurance to help you protect your device against accidental damage and theft, and loss.

One of the reasons some people consider AT&T insurance is the affordable pricing. To get this plan, you will have to pay monthly costs of $8.99. Though the original price is low, the cost of deductibles is a bit high. For instance, if a mobile phone under this insurance plan needs a repair for a cracked screen, you have to pay $49. For other damages, AT&T charges customers a deductible of about $250.

When you choose this insurance plan, you can file up to 2 claims per 1 year. Though AT&T insurance looks quite attractive, it has some issues that are hard to overlook. During repairs, the carrier utilizes third party parts rather than Apple components. Though this enables AT&T to save on repair costs, it is not good for customers since it can negatively affect the quality of your smartphone.

Pros

• The initial cost for this insurance is cheaper than other options.
• It covers damage, theft, and loss.
• You can file for two claims per 12 months.

Cons

• The deductibles are expensive.
• AT&T uses third party parts on smartphone repairs

Verdict: So which is better? Applecare+ or att insurance

After comparing these two insurance plans, we found out why many people go for Applecare+ over the carrier insurance. Though AT&T insurance covers theft and loss and is cheaper to pay for, it has expensive deductibles. Applecare+ may not cover theft and loss, but it has reasonably priced deductibles. The company that offers this insurance plan uses quality components during repairs and even gives customers phone support for up to 2 years. Paying for Applecare+ can therefore help you enjoy more valuable services. That is why we choose Applecare+ as the clear winner.

FAQs

Can I make a one-time payment for AT&T insurance?

No. You can only make monthly payments for this insurance plan.

If my smartphone screen cracks, will AT&T insurance cover me?

Yes. AT&T can help you replace the screen as long as you have been paying for its mobile insurance plan.