Asurion vs Upsie – which is the better phone insurance option?
Insuring your phone under a reputable company will go a long way to helping you save on finances, rather than simply relying on the standard manufacturer’s warranty, considering how expensive phones are.
It is easy to fail to notice it, but phone insurance is becoming a more lucrative market every day – and it is easy to get confused when looking at the sheer number of providers available to you. Among them is Asurion and Upsie, and we compare both of them in this review while giving you a rundown on what to expect.
Table of Contents
What are the differences between Asurion and Upsie?
Asurion |
Upsie |
|
How long should you wait before buying the warranty? |
You can buy the warranty within 30 days of buying the item |
You can purchase it within 120 days of buying your phone |
Costs involved |
Unspecified on their website, although it will vary according to device |
Warranties vary in cost depending on phone prices, although it ranges from $25 to $199 |
Claims |
Maximum of two per year |
Unlimited |
Availability |
Asurion vs Upsie – How they compare
Deductible fees and coverage
When it comes to coverage, you will get almost all coverage forms on Upsie, as they cover any form of malfunctioning on your device to cracked screens and damaged interior components. They also offer an accidental protection plan that will take care of humidity damage and audio failings. The price you pay depends on your phone, although it is safe to say the fee ranges from $25 at the least to $150; the cheaper your device is, the less you will pay in deductibles.
The difference with Asurion is that you will not find their prices on their official website, which seems strange – but their deductible fees will be shown on Amazon and will give a rough estimate on what you will pay depending on your coverage plan. Regardless of where you purchase your item from, ensure to read Asurion’s terms carefully before signing the contract, as this will help you know if there are additional costs involved.
Therefore, Upsie wins in this area as they offer a wider coverage scope, as well as allowing you to pay lower deductible rates.
The time to purchase the warranty
Both Asurion and Upsie will allow you to purchase a warranty after some time of buying the item, but the durations are different. In the case of Upsie, you can purchase their warranties within a duration of 120 days of buying the item, while Asurion gives a time limit of 30 days.
Asurion has a shorter time period compared to Upsie when you can register your device for an insurance cover, so we prefer their approach.
Number of claims
Since Asurion coverage is under other wireless carrier providers , according to the company’s website, they have a set limit of coverage claims they can process per year – they can only accept up to two claims per year, although some of their partner carrier companies accept a maximum of three claims annually. This is vastly different when joining an Upsie insurance cover, as Upsie accepts an unlimited number of claims per year.
Upsie is the winner of this category, as they accept more claims per year that cover a wide range of claims.
Asurion vs Upsie – A comparison review
Asurion review
If you want coverage for your device that will extend beyond what you can get from a manufacturer’s warranty, Asurion aims to offer plenty of strong warranties for most devices and phones. Their coverage times can span from 2 to 10 years, depending on the specific item you are insuring, with most phones getting an insurance cover of 2 years at most.
However, their prices for insuring devices tend to be higher than most third-party insurers, as they charge a $199 deductible fee, although this is offset by their free repairs. Additionally, their plans will not always cover loss and theft, and you may not get accidental damage covers, especially if you are buying from Amazon.
Pros
- Claims are easy to file
- Fast replacement services
- Offer extended warranties
Cons
- Replacement devices are not always identical
- Protection scope is quite narrow
- They charge high fees and deductibles for some devices
Upsie review
The company provides a variety of insurance policies, which will depend on the prices of the electronics you want to insure. However, their most standout feature is their low pricing compared to most insurers, which makes them an attractive prospect for many looking for an affordable phone insurance provider. These plan costs range from a minimum of $49.99 with a $25 deductible, and the highest being $199 with a $99 deductible.
They will cover almost anything relating to your device, whether it is Wi-Fi failure or a cracked screen. Among their plans, the accidental protection plan will protect you from audio failures and other forms of damage, such as liquid and humidity damage.
Pros
- You can insure both used and new phones
- They have 24/7 support
- They offer an upfront payment option
Cons
- There are complaints on their turnaround times
- They do not offer coverage for theft and loss
Conclusion
Upsie is our winner for this review, as they stand out in terms of service quality, convenience in terms of coverage, and the prices. There is not much worry about paying hidden fees with Upsie, and they explain everything you need to know clearly on their website.
FAQs
Does Upsie cover theft or loss?
Not in all policies, so it is important to clarify the terms of your agreement with them to ensure your policy covers cases of losses and theft.
Is Asurion the same as Assurant?
No, they are not the same. Asurion is a private company that provides phone insurance services and has its headquarters in Nashville, Tennessee, and Assurant is a provider of risk management services and products, with its headquarters in New York.
Who is Upsie?
It is a phone insurer started in 2014, and they allow their users to track and compare various extended warranty plans.
