Will Asurion upgrade your phone?

No. Asurion offers phones within the same tier. This means that you might not receive a higher-tier phone during a replacement. It is only in rare circumstances that Asurion can upgrade your phone. If you receive a high price tier phone from Asurion, expect to pay a higher deductible in the future.

With the price of smart devices going high each day, paying for mobile insurance is something that most customers consider. If you choose to work with Asurion, you should know what you are signing up for beforehand. Go through this before you start working with the insurance provider.

What does my Asurion insurance cover?

Though cell phone insurance providers are many, Asurion remains a popular choice among lots of mobile users. This insurance provider offers comprehensive coverage so that you don’t pay lots of cash in case your phone stops functioning as expected. It covers theft and loss, malfunction, and accidental damage. If, for instance, the screen of your cell phone cracks, you can get it repaired through Asurion. It even covers liquid damage and devices’ issues, such as humidity problems and internal heat.

If you buy your phone from Sprint, AT&T, or Verizon, you have the opportunity to sign up for Asurion insurance. This is offered under different protection plans from the respective carriers. For you to start working with Asurion, you have to pay a certain fee based on the carrier you choose. You will also be charged a deductible every time you file a claim. Asurion does not allow customers that file claims to negotiate the deductible.

The company can either repair or replace your current device. Asurion has technicians that work in different locations who handle most of the repairs. If you have time limitations but need urgent repairs, you can request the insurer to send a tech expert to check your device at your location.

What phone will Asurion send me?

Asurion outlines particular terms and conditions that you should know before you start paying the monthly fee. Though these documents may seem tedious to go over, they contain lots of information that can save you from frustrations once you start paying for the insurance coverage.

After filing for a claim, Asurion can replace it with either a refurbished or new phone. In most cases, this insurance provider replaces smartphones with refurbished ones. The replacement phones are classified into different tiers, such as tier 1, 2, 3, and 4.  The insurance provider uses these classifications to determine the kind of phone you can get when it comes to replacement.

Tier 1 and 2 represent most of the cheap phones. If, for instance, you have a  that you bought at a low cost, you can get a replacement phone under this tier. On the other hand, tiers 3damaged phone and 4 are mostly high-end phones. If you have an expensive Android phone or iPhone and you need it replaced, it is classified in this category. Once you file a claim and Asurion informs you that you should expect a replacement, you should expect to get one that is of the same value as your old phone. For instance, a tier 1 smartphone can only be replaced with a tier 1 smartphone and not a tier 3 or 4. 

Since Asurion considers the value of phones before replacing them, it may not upgrade your current phone. You should expect to receive a phone of the same quality as your old phone. If, for instance, your current Android device is completely damaged, Asurion cannot replace it with an iPhone. You may get a replacement phone that is not of the same color as your old device.

If you feel that the replacement phone that you have received does not have comparable features and functions as the damaged device, you can talk to a customer representative from Asurion. They can help you get a replacement device that has similar functions and features but with the same price tier. This is, however, not a guarantee. Asurion does not give customers a lot of freedom when it comes to replacement devices.

Only in rare circumstances can you get an upgrade from Asurion. If you get a higher-tier replacement phone from Asurion, you should expect to pay a higher deductible when you file a claim with this insurance provider in the future. Once you get a replacement phone from Asurion, you should return the one you have been using within the specific duration to avoid being penalized.

Here is a summary of Asurion tiers

How Asurion handles repairs

Apart from replacements, Asurion can also opt to repair your current device rather than replacing it with a different one. Even if Asurion repairs it, it may not upgrade it. This is because Asurion does not use Apple-certified parts in repairing damaged devices. Some customers have even reported quality issues with repaired devices from the company. The insurance provider accompanies its repaired devices with a warranty for at least one year despite such problems.

Conclusion

Asurion can help you replace your current device if it gets damaged, stolen, or lost. You have to file a claim for you to get another device. As you go through this process, do not expect to get an upgrade since Asurion replaces phones within the same price tiers.

FAQs

Can I get a different phone with Asurion?

Yes. If you lose your current phone or it is stolen, and your claim is approved, you can get a different phone from this insurance provider.

Can you upgrade your phone with Asurion?

No. Asurion will not upgrade your phone. It only replaces phones with others under the same tier. Cases of an upgrade are quite rare.

Do you get a brand new phone with Asurion?

Not necessarily. You can either get a refurbished or new phone from Asurion. This insurance provider mostly replaces lost or damaged phones with refurbished ones.

Does Assurant give new phones?

No. Assurant offers refurbished phones of the same quality during replacement. You can only get a new phone from Assurant if it does not have a similar refurbished phone available.

Can you trade in an Asurion phone?

Yes. It is possible to trade in an Asurion refurbished phone as long as it is in working condition.