Asurion vs Smart Guard – Is it worth it getting any of their insurance covers?
If you have regular accidents with your phone or any other device, it can be frustrating to deal with expensive repair jobs frequently, and insuring the devices may cross your mind.
Among these insurers, Smart Guard and Asurion may have come up due to their popularity. However, you may have many questions about them – is it worth it getting a cover? Are they expensive? How and when can you make claims with them? We will aim to answer those questions in this article, which can help you make a more informed choice.
Table of Contents
Asurion vs. Smart Guard – Reviews
Smart Guard overview
Smart Guard are an interesting insurance provider, because they do not just cover electronics and smartphones – they extend these benefits to furniture, appliances, and even jewelry.
However, it is good to note that they do not cover used devices, although they will cover a certified refurbished item on condition that it includes a seller’s or manufacturer’s warranty of a minimum of 30 days from the purchase date.
Pros
- Their protection covers a wide range of devices
- Claims are easy to make and process
- Great customer service
Cons
- Terms of insuring different devices are unclear
Asurion insurance overview
Asurion aims to fulfill the needs of all customers, and their ever-present customer support team allows you to tell them your needs and the specifications of your device. They also approve replacement devices quickly after approving your claim, and they cover a wide range of devices such as Samsung Galaxy and iPhones.
Pros
- Low monthly fees
- Customer service and replacements are fast
- Claims are easy to file
- Tech support is available at all times
Cons
- The replacement devices they send are not always identical
- Some submission claims lag in the system
- Very few claims are accepted per year
Summary of differences between Smart Guard and Asurion
Smart Guard |
Asurion |
|
Do they cover used devices? |
No |
Yes |
Do they cover refurbished devices? |
Yes |
Yes |
When does coverage start? |
ADH cover – immediately
Mechanical cover – after the manufacturer’s warranty expires |
Immediately |
Conclusion
It may seem difficult to narrow down your options when choosing between Smart Guard and Asurion, as their services are very similar. However, we will go with Smart Guard as they offer a wider coverage scope, and their quality of service is excellent as well compared to Asurion – despite the drawback of not having explicitly stated coverage terms.
FAQs
Can I get a refund on my Smart Guard protection plan?
Yes, you can. You are eligible for a full refund of the coverage fee for a maximum of 30 days after you buy the cover. Additionally, if you paid any claims after buying the plan, the amount you paid will be deducted from the refund of the plan’s purchase price.
How does Asurion protection plan work?
They do not insure customers directly, but instead do so through their three partner carriers: AT&T, Verizon, and T-Mobile. You will file your claim through any of these three companies, then wait for Asurion to verify your claim before knowing if you will get a new or refurbished device as your replacement.
