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So, would someone explain the full extent of Sprint's insurance to me?

I pay the $7 per month, and I want to eventually trade in my 002 EVO for a newer model before I upgrade to something better (talking months and months from now). I want to know basically what will get me a new EVO and how much it will cost me. I already have the light leakage around the bottom buttons, and I know most would see that as a huge flaw. Any input is appreciated.

Why don't you just go into a Sprint store now and trade the phone in for a newer hardware version. That's what I'm going to do since my camera lens cracked and the horrible light leakage. It IS a big deal to me because I watch a lot of movies at night on my phone.
If you claim insurance on your phone you should let them know of the issue with the light leakage (or any other issues) so you can send your phone back in to them. If you are intending on keeping the phone and selling it that would be considered fraud but it's your choice.

gqstatus0685 said:
Why don't you just go into a Sprint store now and trade the phone in for a newer hardware version. That's what I'm going to do since my camera lens cracked and the horrible light leakage. It IS a big deal to me because I watch a lot of movies at night on my phone.
If you claim insurance on your phone you should let them know of the issue with the light leakage (or any other issues) so you can send your phone back in to them. If you are intending on keeping the phone and selling it that would be considered fraud but it's your choice.
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So I just walk in and let them know that I want a fixed device? And I intend to keep the new one for a couple weeks before selling it. I just won't want to sell off one of the launch models with the problems associated with that.

what's the diff between the launch and current models besides the light leakage?

If it's anything like other cellular insurance claims you won't be able to keep the "defective" phone. But if you did file a claim you would be subject to the deductible, 50-100 dollars I believe?

cesjr02 said:
If it's anything like other cellular insurance claims you won't be able to keep the "defective" phone. But if you did file a claim you would be subject to the deductible, 50-100 dollars I believe?
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No, no. I don't want to keep my 002. I want to exchange it for a newer version that will sell for more when I upgrade. I just wanted to know what it took to get them to swap it out.
--
Sent from my HTC Supersonic.

I've been dealing with Sprint for a long time and I have abused their insurance policy as well so let me give you the breakdown for it.
First off, what the Sprint Total Equipment Protection Plan (TEP) is not. It is NOT an upgrade plan. Meaning you can't go in and ask them to swap your phone out just because you want to. There are ways to get "free" upgrades, but I won't go into that. Which brings me to my next point.
Sprint will only swap out your phone if there is something wrong with it. In other words, if its Sprint/HTC's fault or it is not working properly for some reason and it is NOT YOUR FAULT. Defects, software failures(MAJOR), etc. When you tell them what is wrong with your phone, be as DETAILED as possible. They will always reset your phone to factory defaults and try to reproduce the issue. If they can't reproduce the issue, they will return it and say its working fine now. If they reproduce it, they will try to repair it. If they can't repair it, they will order you a replacement. THIS IS FREE
ALSO NOTE: This is Sprint's general policy. There are exceptions, and depending on the person you get, they might be able to do more for you. But this is what you should expect!
If there is damage due to a drop, water damage, or anything that is YOUR FAULT, they will tell you to go through Asurion. Sprint's insurance carrier or w.e the terminology is. This is when you have to dish out the $100 copayment. Only do this if you messed up big time by cracking your screen, dropped it in the toilet (EWW), etc.
Now some extra tips: You want to call Sprint's customer service first. Tell them about your problems, go through their "troubleshooting". If they fix the issue, great! If not, then after you are done, make sure they note your account that you called regarding the issue so when you go into the Sprint store they will have your information. BE POLITE! Trust me it goes a long way.
When you get in the Sprint store, go to their repair center. Tell them you called Sprint's customer care and was told to come in. Give them EVERY SINGLE problem associated with the phone. If it is a defect such as the light leakage, make sure they know that it is a known issue and to check their database. I recently lost 4G cause I lost my RSA keys (stupid WIMAX Radios). I unrooted and went into a Sprint store and just basically said, My 4G isn't working. They did their usual checks. Made sure it wasn't rooted, latest update, factory reset, update profile, etc. They couldn't fix it so they ordered me a replacement phone and i got it the next day.

Just to add:
It really depends on how helpful their repair department / manager is. Some will swap out your phone without an issue even if you walk in and say "I want a new phone because this one isn't as bright as my friends."
Others will make the whole process feel like you are pulling teeth! It depends on the person. I suggest if you get this type of person, ask for their supervisor or if they are the supervisor, go to another Sprint store. But also think about what you are asking for. If your phone "feels" different in your hand than your friend's Evo, they will almost NEVER replace your phone. Cause come on. That's just unreasonable. But if there's light leakage, major lag, your battery dies in 2 hours, 4G / 3G, etc doesn't work. Your phone reboots over and over AND ITS NOT YOUR FAULT, then they will try to fix it or get you a replacement.

sekigah84 said:
Just to add:
It really depends on how helpful their repair department / manager is. Some will swap out your phone without an issue even if you walk in and say "I want a new phone because this one isn't as bright as my friends."
Others will make the whole process feel like you are pulling teeth! It depends on the person. I suggest if you get this type of person, ask for their supervisor or if they are the supervisor, go to another Sprint store. But also think about what you are asking for. If your phone "feels" different in your hand than your friend's Evo, they will almost NEVER replace your phone. Cause come on. That's just unreasonable. But if there's light leakage, major lag, your battery dies in 2 hours, 4G / 3G, etc doesn't work. Your phone reboots over and over AND ITS NOT YOUR FAULT, then they will try to fix it or get you a replacement.
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I would add, That this guy is right with everything he is saying.. It depends on the person.. Which is weird because they should have proper guidelines... But obviously they can alter them because I have walked in before and got a new phone just because I didn't like it (got a new one) and then the opposite..

Didn't Sprint recently overhault their replacement policies, though? What was all of that about free replacements if you pay the $7 fee for bascially anything except water damage?

TheBiles said:
Didn't Sprint recently overhault their replacement policies, though? What was all of that about free replacements if you pay the $7 fee for bascially anything except water damage?
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It hasn't changed. They didn't explain it in full.
The $7 basically covers repairs in store and any non-fault issue your phone is having. If you broke it all on your own, you have to pay the $100 deductible. So you dropped your phone down a flight of stairs and the screen cracked. Now as for the camera lens cracking, you can say its cause the damn camera lens protrudes out and you put it down and it cracked. They know about this already and its just a design flaw. Hence why people are getting replacements because of that.
What did change a while back was it used to be $50 per claim. Now they jacked it up to $100. It used to be a great way to get cheap phone upgrades as long as Asurion ran out of replacement phones or your phone is so old they don't support it anymore. In that case they would give you the next best thing.

Sekigah, you couldn't be further form the truth. Here are the official guidelines, as of Oct 23rd:
The only reason to put in a claim with Asurion and pay the $100 is for the following:
Liquid damage
fire damage
loss/theft
complete board destruction
- For complete disclosure, complete board destruction is classified as the motherboard being in 3 or more pieces, however extreme trauma to the phone will force you to go through Asurion. If your motherboard is actually visible, but it;s in one piece, it should be replaced free of charge in store. This depends on the tech, the store, and the manager, but knowing the guidelines helps you out.
Now fixed in store, for free:
Broken hinges, housing damage, broken antennas, shattered screens/LCDs
And finally, if you do NOT have TEP: Don't bother coming in claiming manufacturers warranty, because we will send you right to the manufacturer. Any repairs done in store, or replacements that have to be ordered, and you do NOT have TEP, cost $35. No ifs, ands, or buts. This is payable either when you phone is fixed, or before the phone is ordered for you.
As far as the above example: If you dropped your phone down the stairs and you have TEP, the phone is still relatively in one piece, but the screen is shattered? Your phone gets repaired/replaced for free.

entropism said:
Sekigah, you couldn't be further form the truth. Here are the official guidelines, as of Oct 23rd:
The only reason to put in a claim with Asurion and pay the $100 is for the following:
Liquid damage
fire damage
loss/theft
complete board destruction
- For complete disclosure, complete board destruction is classified as the motherboard being in 3 or more pieces, however extreme trauma to the phone will force you to go through Asurion. If your motherboard is actually visible, but it;s in one piece, it should be replaced free of charge in store. This depends on the tech, the store, and the manager, but knowing the guidelines helps you out.
Now fixed in store, for free:
Broken hinges, housing damage, broken antennas, shattered screens/LCDs
And finally, if you do NOT have TEP: Don't bother coming in claiming manufacturers warranty, because we will send you right to the manufacturer. Any repairs done in store, or replacements that have to be ordered, and you do NOT have TEP, cost $35. No ifs, ands, or buts. This is payable either when you phone is fixed, or before the phone is ordered for you.
As far as the above example: If you dropped your phone down the stairs and you have TEP, the phone is still relatively in one piece, but the screen is shattered? Your phone gets repaired/replaced for free.
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TEP is the $7/month, right?
Edit: Just checked, and it is:
Total Equipment Protection - $3 insurance premium & $4 service/repair $7.00
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Correct. Though technically it's $4 and $4, with $7 being the package price.

entropism said:
Sekigah, you couldn't be further form the truth. Here are the official guidelines, as of Oct 23rd:
The only reason to put in a claim with Asurion and pay the $100 is for the following:
Liquid damage
fire damage
loss/theft
complete board destruction
- For complete disclosure, complete board destruction is classified as the motherboard being in 3 or more pieces, however extreme trauma to the phone will force you to go through Asurion. If your motherboard is actually visible, but it;s in one piece, it should be replaced free of charge in store. This depends on the tech, the store, and the manager, but knowing the guidelines helps you out.
Now fixed in store, for free:
Broken hinges, housing damage, broken antennas, shattered screens/LCDs
And finally, if you do NOT have TEP: Don't bother coming in claiming manufacturers warranty, because we will send you right to the manufacturer. Any repairs done in store, or replacements that have to be ordered, and you do NOT have TEP, cost $35. No ifs, ands, or buts. This is payable either when you phone is fixed, or before the phone is ordered for you.
As far as the above example: If you dropped your phone down the stairs and you have TEP, the phone is still relatively in one piece, but the screen is shattered? Your phone gets repaired/replaced for free.
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http://forum.xda-developers.com/showthread.php?t=819504
http://www.phonenews.com/sprint-tepsr-changes-next-week-13303/
I didn't get any updates in the mail from Sprint on this cause I have TEP so this is news to me. Thanks for the update. I stand corrected. This makes the $7/mo charge worth it.
So take the mindset I had and just pretend that everything but dropping it in the toilet and setting it on fire or losing it is free. The latter costs $100 LOL
More or less, if its damaged beyond repair = Asurion and almost everything else = free repair if under TEP and $35 if not. Thats sexy.

Yes, as long as your phone isn't in three pieces and you have TEP, it is free. Now they get to bring in the $$ cause more people will but the insurance. And most people don't ever use it. In fact, until I got the Hero last year I had never used my insurance. Now I have used it twice. Once with busting the speaker and once with my Evo because it would not stop rebooting. Didn't pay anything. I felt like I got special treatment because I had insurance.
Sent from my iPhone with the bigger Gee Bees.

From my own experiences...
With sprint's insurance a lost phone and $100 will get you a refurbished POS that will most likely be much worse than the phone you have now, complaining about it after you get it is futile as well. I lost one phone in ten years and I was furious at the phone they gave me. It came with a busted speaker and a glitchy screen.
I got rid of their insurance and am going through best buy atm. Supposedly, as long as you keep all the pieces, you will get a brand new one if you ever break your phone. I'm not sure if it covers lost phones though.

Actually, if you get a bad phone from asurion, it has a one year warranty, so have them replace it.
Best buy will not simply give you a new phone, they ship it to their center and repair it (over the course of 2 weeks) while you wait.
As for not knowing the new policies, it was mailed to everyone inside your bill a few months back.
Sent from my PC36100 using XDA App

Question bout ESN

ok guys i have a survivor EVO who survived for 12 minutes drowned in water, but my wifi, bluetooth and front cammera are not working, now i claimed as lost in the insurance and they are sending me a replacement for my phone, now my question is can i use the old drowned evo in METROPCS or that esn will be invalid?

It can be ported to evo just never used on sprint again. it can also go to cricket

dxtyle said:
ok guys i have a survivor EVO who survived for 12 minutes drowned in water, but my wifi, bluetooth and front cammera are not working, now i claimed as lost in the insurance and they are sending me a replacement for my phone, now my question is can i use the old drowned evo in METROPCS or that esn will be invalid?
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Yes, you can just flash it to metroPCS, there are tons of instructions out there. HOWEVER, I noticed you're in NYC. Just keep in mind the Metro PCS network in NYC and New england is quite new and uses the 1700mHz AWS band, which the evo does not support.

zeuzinn said:
Yes, you can just flash it to metroPCS, there are tons of instructions out there. HOWEVER, I noticed you're in NYC. Just keep in mind the Metro PCS network in NYC and New england is quite new and uses the 1700mHz AWS band, which the evo does not support.
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this means what exactly? not internet? or not service at all?

dxtyle said:
this means what exactly? not internet? or not service at all?
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No service in any way, shape or form.

In my experience insurance doesn't report the esn to sprint if you only talk to the insurance folks directly. The only way to get it deactivated or marked as lost or stolen is to actually tell sprint. Whether it's asking them for the phone number of asurion and telling them the phone was lost or telling them in the store.
Spoken from my EVO 4G using Ultra Keyboard and Tapatalk Pro

dxtyle said:
ok guys i have a survivor EVO who survived for 12 minutes drowned in water, but my wifi, bluetooth and front cammera are not working, now i claimed as lost in the insurance and they are sending me a replacement for my phone, now my question is can i use the old drowned evo in METROPCS or that esn will be invalid?
Click to expand...
Click to collapse
Also please do not forget that Insurance Fraud is bad. It causes higher deductibles for those that make claims, even those that are not making fraudulent claims.
If you have the device, water damaged or not, you are supposed to send it to Asurion. Asurion is not my friend, however I am a customer of theirs. I think that you should send the phone to them.
I do wonder why it was 12 minutes in the water and not 11 or 13. 11 minutes in the water sounds much more believable for an insurance claim than 12.
I do not like people to commit insurance fraud, however my employment is based on the basis of deterring insurance.

anthonyandrews said:
Also please do not forget that Insurance Fraud is bad. It causes higher deductibles for those that make claims, even those that are not making fraudulent claims.
If you have the device, water damaged or not, you are supposed to send it to Asurion. Asurion is not my friend, however I am a customer of theirs. I think that you should send the phone to them.
I do wonder why it was 12 minutes in the water and not 11 or 13. 11 minutes in the water sounds much more believable for an insurance claim than 12.
I do not like people to commit insurance fraud, however my employment is based on the basis of deterring insurance.
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I'm just gonna say what everyone else is thinking... YOU'RE A DOUCHE! !

jjpp23 said:
I'm just gonna say what everyone else is thinking... YOU'RE A DOUCHE! !
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While I think he came off as kind of douche-y when he questioned the minutes the phone was dunked in water, I think he's quite right about everything else. It IS insurance fraud, and it WILL raise our deductible. Just a year ago it would cost $50 to replace a phone with asurion, now it costs double that.

anthonyandrews said:
Also please do not forget that Insurance Fraud is bad. It causes higher deductibles for those that make claims, even those that are not making fraudulent claims.
If you have the device, water damaged or not, you are supposed to send it to Asurion. Asurion is not my friend, however I am a customer of theirs. I think that you should send the phone to them.
I do wonder why it was 12 minutes in the water and not 11 or 13. 11 minutes in the water sounds much more believable for an insurance claim than 12.
I do not like people to commit insurance fraud, however my employment is based on the basis of deterring insurance.
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How is not sending my dead phone to asurian going to raise insurance rates? ? Don't be stupid, will it hurt state farm when my body shop doesn't send back my totaled bumper after it paid my claim? ! They upped the deductable because phones cost more...

jjpp23 said:
How is not sending my dead phone to asurian going to raise insurance rates? ? Don't be stupid, will it hurt state farm when my body shop doesn't send back my totaled bumper after it paid my claim? ! They upped the deductable because phones cost more...
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I meant to hit the quote button but I hit the thanks button by mistake. Anyway, your example is pretty stupid. The point is he reported his phone lost or stolen when in fact it wasn't. I am sure that he new that if he reported it as damaged then he would have to return the damaged phone thats why he reported it as lost or stolen. If you report your car stolen but in reality you have it hidden somewhere in a friends garage then file an insurance claim isn't that fraud? If you drive your car into a brick wall and the insurance company totals your car out do you get to keep the totalled car to repair then sell it to someone else? Of course not, it becomes the property of the insurance company.

quietstorm said:
I meant to hit the quote button but I hit the thanks button by mistake. Anyway, your example is pretty stupid. The point is he reported his phone lost or stolen when in fact it wasn't. I am sure that he new that if he reported it as damaged then he would have to return the damaged phone thats why he reported it as lost or stolen. If you report your car stolen but in reality you have it hidden somewhere in a friends garage then file an insurance claim isn't that fraud? If you drive your car into a brick wall and the insurance company totals your car out do you get to keep the totalled car to repair then sell it to someone else? Of course not, it becomes the property of the insurance company.
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I'm glad you think your perfect....
As much as we pay for these phones that are outdated six months later who gives a ****....
Sent from my PC36100

epicroot said:
I'm glad you think your perfect....
As much as we pay for these phones that are outdated six months later who gives a ****....
Sent from my PC36100
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I never said anything about being perfect, I also am not judging anyone or what they do. I could care less what anyone decides to do, that's their business but still, it is what it is and that's a fact. Also, what do you mean by as much as we pay for these phones? Do you remember what cell phones cost 5, 10 or 15 years ago and you gonna mention about the price of phones now? The price of these phones now are way more than reasonable for what we get even though its gonna be outdated in six months, thats just the nature of the industry. If you buy a new car today, in 6 months it aint gonna be worth **** either compared to what you paid for it so whats your point? If something happens to your car are you gonna commit fraud to get as much as you can out of the insurance company because you paid an arm and a leg for your car? Hell, what if your boss tells you one day that "as much as we pay you, you can blow me", is that ok? Like I said it is what it is and you cant dispute that. What ever you decide to do is your business and what ever the OP decides to do is his business, I was just pointing out the obvious facts without casting judgement.

epicroot said:
I'm glad you think your perfect....
As much as we pay for these phones that are outdated six months later who gives a ****....
Sent from my PC36100
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So.... your belief is that since you believe HTC is charging way too much for the phones, that makes it OK to steal from Asurion?
Do you not grasp the fact the Asurion has to pay for the phones they send out to people who commit fraud?

O
sohr said:
So.... your belief is that since you believe HTC is charging way too much for the phones, that makes it OK to steal from Asurion?
Do you not grasp the fact the Asurion has to pay for the phones they send out to people who commit fraud?
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Asurion does not pay for our phones every body here that pays 7$
A month for 24 months. Is 168$ plus 100 dollar deductible they are effectively getting us to pay 268 dollars for us to get a refurbished replacement phone.... now granted my math is based on us having a 2 yr contract and that you only make a claim once a yr... sounds like they're winning to me.....
Just my theory on this as much as **** cost in this world of ours every now and then you've got to stick it to the man
Edit. Have you ever actually seen the invoice price of the Evo ..... buying a phone is worse than buying a car
Sent from my PC36100

quietstorm said:
I meant to hit the quote button but I hit the thanks button by mistake. Anyway, your example is pretty stupid. The point is he reported his phone lost or stolen when in fact it wasn't. I am sure that he new that if he reported it as damaged then he would have to return the damaged phone thats why he reported it as lost or stolen. If you report your car stolen but in reality you have it hidden somewhere in a friends garage then file an insurance claim isn't that fraud? If you drive your car into a brick wall and the insurance company totals your car out do you get to keep the totalled car to repair then sell it to someone else? Of course not, it becomes the property of the insurance company.
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so lemme ask u something here, so if i report my phone damaged, i gotta returned and pay 100 dollars, but i reported lost, i still paid 100 dollars but guess what?? i have a spare battery and some parts in case i need it, so i guess is a pretty good deal... come on, if it was free to send the phone back and get a new one, i wouldve done it...

Insurance fraud is illegal on any level. $5 or $5 million dollars. By keeping the phone you are contributing to possible future increases of insurance rates or deductibles.
What I think is funny is that you openly admit to breaking the law on a public forum. Then, you continue to justify yourself. The law is the law.
Assurion is a business and their drive is to profit. If you do not want to support them then you have other options such as Best Buy Insurance or no insurance.
By returning the phone you are giving Assurion a possible chance to refurbish that phone and the ability to keep insurance rates and deductibles down.
Sent from my PC36100 using XDA App

Saleenfiend said:
Insurance fraud is illegal on any level. $5 or $5 million dollars. By keeping the phone you are contributing to possible future increases of insurance rates or deductibles.
What I think is funny is that you openly admit to breaking the law on a public forum. Then, you continue to justify yourself. The law is the law.
Assurion is a business and their drive is to profit. If you do not want to support them then you have other options such as Best Buy Insurance or no insurance.
By returning the phone you are giving Assurion a possible chance to refurbish that phone and the ability to keep insurance rates and deductibles down.
Sent from my PC36100 using XDA App
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so what are u some insurance fraud cop?? if yes ill give u my address so u can come... stop bullshitting me, how can they prove i didnt lose my phone? so who cares, now, lemme tell u something, yes they here to make profit, but isnt it the money we pay every month their profit? come on.. send it back so they can reburbish it and then get money out of the phone i paid for? they getting more money out of me that the money i paid for the phone on sprint (WITH A 2 YEARS CONTRACT).. so NOPE they`re NOT getting my phone back, PERIOD! so u telling me that if if u buy a car and is messed up u gonna give away the money that u paid for it, and give it as a gift to the insurance company so they can fix it and sell it again (of course u getting nothing out of the sale) and still pay for the new car? (which problably wont be new either) i dont think so,. so please... think what would u do b4 trying to b perfect here

aph said:
In my experience insurance doesn't report the esn to sprint if you only talk to the insurance folks directly. The only way to get it deactivated or marked as lost or stolen is to actually tell sprint. Whether it's asking them for the phone number of asurion and telling them the phone was lost or telling them in the store.
Spoken from my EVO 4G using Ultra Keyboard and Tapatalk Pro
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Of course they report it to Sprint, if they didn't they would be taking losses left and right.

T-Mobile insurance. Is it worth it?

I wanted to start this thread as sort of an informative type of thread. I know there will be other people wondering the same thing. I haven't had t-mobile in years and only dealt with sprint Asurion insurance.
I have been offered t-mobile insurance and I'm not really sure if it would be worth getting it. There were three options given and I wanted to get some insight from some customers that have gone through the insurance in the past. I am leaning towards the middle one that I think was 4.79.
Is this a good insurance to have or should I get the higher priced one that extends the warranty to two years?
Are there any issues over the phone when trying to get a replacement due to software or hardware issues?
How are the refurbs that are sent as replacement?
Here are the two options
http://www.t-mobile.com/shop/addons...umHandsetProtection&tp=Svc_Sub_EqpmntProtnOvw
or
http://www.squaretrade.com/pages/and...g1#coveragePop

I went with Squaretrade instead of Tmobile because of the deductible
Sent from my SGH-T989 using xda premium

mziol said:
I went with Squaretrade instead of Tmobile because of the deductible
Sent from my SGH-T989 using xda premium
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Can you give some insight on what squaretrade is offering vs t-mobile?

mziol said:
I went with Squaretrade instead of Tmobile because of the deductible
Sent from my SGH-T989 using xda premium
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I went squaretrade too, with coupon code it was only $90 and covers 2 years and by then I will be on a completely diff phone anyway..

if they cover screen replacement or water damage, it's a decent protection, if you are ... accident prone like me
i used to take those insurance, when i was in school and couldn't afford a new device very often.
once i started getting better jobs, i stopped taking those, as i was switching from phone to phone before i can even crack the old phone

post moved to OP

AllGamer said:
if they cover screen replacement or water damage, it's a decent protection, if you are ... accident prone like me
i used to take those insurance, when i was in school and couldn't afford a new device very often.
once i started getting better jobs, i stopped taking those, as i was switching from phone to phone before i can even crack the old phone
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Yeah that's kinda where I'm at with it. I am very careful with my phones and usually go through phones pretty quick. I will feel much better about it once I get a case. I always feel like I'm going to drop this thing. I don't know if it's the weight or the slender build.

i just use the tmobil insurance u brick or wreck ur phone u take it into tmobil they replace it with a new one or refurbished one!

have you looked at the Best Buy insurance?
they are pretty fair and fool prof and it's affordable but the rates varies from phone to phone, so you might want to check in store

AllGamer said:
have you looked at the Best Buy insurance?
they are pretty fair and fool prof and it's affordable but the rates varies from phone to phone, so you might want to check in store
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I got my phone through wirefly so I don't know if Bestbuy would warranty a purchase that wasn't at their store.
I did notice that squaretrade doesn't cover loss or theft so that wouldn't be an option.
I am leaning toward the PHP insurance option through T-mobile. Anybody here ever had any issues with that particular type of insurance?

Jjday7 said:
I got my phone through wirefly so I don't know if Bestbuy would warranty a purchase that wasn't at their store.
I did notice that squaretrade doesn't cover loss or theft so that wouldn't be an option.
I am leaning toward the PHP insurance option through T-mobile. Anybody here ever had any issues with that particular type of insurance?
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Thats the thing i dont like the no loss of theft. but that deductible is killer. i wonder if there is a way to sweet talk them. and i do understand its a deterrent to prevent people from breaking there phone to get the updated hardware as they make revisions or lie and say they lost the phone so they can get a dev phone.

I had cell phone insiranve since it was 1.99 it just a fall. Back they send it ecpress overnght and u pay lile 130 dedu.(smart phone) it worth it
Sent from my SGH-T989 using XDA App

Baaed on the answers, I'm thinking that going the insurance route is the best option. This phone feels fragile so I'm going to cover my butt. I think the 4.79 insurance will do. Plus I can cancel at any time which makes It a better deal. I lobe this phone but I know from past experiences that I will probably keep it less than a year.

Jjday7 said:
Baaed on the answers, I'm thinking that going the insurance route is the best option. This phone feels fragile so I'm going to cover my butt. I think the 4.79 insurance will do. Plus I can cancel at any time which makes It a better deal. I lobe this phone but I know from past experiences that I will probably keep it less than a year.
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Click to collapse
i got it as well. i would rather pay a little extra so im not always worried about the phone. better to have it and not need then to need and not have. replace the phone once and its payed for its self.

ive had/have premium asurion insurance thru tmobile. they cover 3 phones in a 12 month period. i know because ive lost 4 phones already and was left with no choice but to buy the sgs2 lol.
the deductible is what kills you. for any smart phone whether its damaged, lost or stolen, you have to pay 130.00 PERIOD and that includes free overnight shipping. if you order your new phone monday morning you will have it by tuesday afternoon. theres no sweet talking or getting yourself out of that deductible EVER. if your a clutz like me the insurance is worth it. 130 beats 500 any day.
asurion covers stolen, lost, theft, water damage, etc. i guess they dont really care what your excuse is for whatever happened to your phone because your getting ass raped with a deductible. either way i WOULD recommend them. its a small price to pay and believe if you ever do lose your phone you will be more than thankful that you had insurance on it

They are both worth it. DO NOT go with tie protection plan. They never keep up their end. It's pointless and it's money down the drain. With T-Mobile insurance and warranty... you get a phone... you damage it... there is a deductible. If it's the phone itself, the warranty covers it. Better to pay the deductible then retail of the phone. The phones aren't getting cheaper. You have to think MSRP.
I've been selling phones for dealers and corp for 5+ years. Insurance is a double edged sword. Yes it costs more monthly, yes it adds up and yes there is a deductible. So it's a gamble. Is it worth it? Yes. Is it worth it if nothing goes wrong with the phone? No. But that's the gamble.
Warranty... Personally I'll pass. I don't keep phones past the first year. The phone is covered by manufacturer warranty and I believe the carrier will handle the swap for you. You're paying for the second year in contract for the warranty part... So you pay it the first year when it's covered anyway.
Insurance covers everything... then there is a deductible. Anything happens to the phone, you make a claim and get one the next day. Handled by Asurion.
If you add up the monthly charge for insurance alone + the deductible... you're looking at about $250. If nothing happens and you keep your phone, then you paid insurance for nothing. But that's just insurance... that's how insurance works. If you break it, lose it or get it wet within the first couple months... pay the deductible and get a new one... was insurance worth it? Yes.
Next year... let's say something happens... you've been paying on insurance, pay the deductible. Could you maybe have bought the phone from someone else and saved a little coin? Yes.
It's basically good to have insurance if something happens in the first few months. I recommend putting it on at first and maybe ween yourself off it. But some of you are like me...
Am I too cheap to pay for insurance? Yes.
Will I get insurance? Probably for the first couple months.
Do I have the phone for 6+ months? No.
If I don't have insurance, am I willing to drop $500+ on the latest phone? Sure. I guess I have to.

Jjday7 said:
I got my phone through wirefly so I don't know if Bestbuy would warranty a purchase that wasn't at their store.
I did notice that squaretrade doesn't cover loss or theft so that wouldn't be an option.
I am leaning toward the PHP insurance option through T-mobile. Anybody here ever had any issues with that particular type of insurance?
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Click to collapse
Hey, I got my daughter's Sidekick 4G through Wirefly and they offered some kind of insurance for like $70 up front or in monthly installments. And I do believe it covered accidents and theft. Check into it.

chrischoi said:
They are both worth it. DO NOT go with tie protection plan. They never keep up their end. It's pointless and it's money down the drain. With T-Mobile insurance and warranty... you get a phone... you damage it... there is a deductible. If it's the phone itself, the warranty covers it. Better to pay the deductible then retail of the phone. The phones aren't getting cheaper. You have to think MSRP.
I've been selling phones for dealers and corp for 5+ years. Insurance is a double edged sword. Yes it costs more monthly, yes it adds up and yes there is a deductible. So it's a gamble. Is it worth it? Yes. Is it worth it if nothing goes wrong with the phone? No. But that's the gamble.
Warranty... Personally I'll pass. I don't keep phones past the first year. The phone is covered by manufacturer warranty and I believe the carrier will handle the swap for you. You're paying for the second year in contract for the warranty part... So you pay it the first year when it's covered anyway.
Insurance covers everything... then there is a deductible. Anything happens to the phone, you make a claim and get one the next day. Handled by Asurion.
If you add up the monthly charge for insurance alone + the deductible... you're looking at about $250. If nothing happens and you keep your phone, then you paid insurance for nothing. But that's just insurance... that's how insurance works. If you break it, lose it or get it wet within the first couple months... pay the deductible and get a new one... was insurance worth it? Yes.
Next year... let's say something happens... you've been paying on insurance, pay the deductible. Could you maybe have bought the phone from someone else and saved a little coin? Yes.
It's basically good to have insurance if something happens in the first few months. I recommend putting it on at first and maybe ween yourself off it. But some of you are like me...
Am I too cheap to pay for insurance? Yes.
Will I get insurance? Probably for the first couple months.
Do I have the phone for 6+ months? No.
If I don't have insurance, am I willing to drop $500+ on the latest phone? Sure. I guess I have to.
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Click to collapse
yea i see where you are coming from. just wish i was in a different industry where my phone would not be exposed to so many elements.

Get the bundle. Sure it may be $7/month, but the insurance and warranty cover phones that you buy in the future too. (Even second hand phones)

rr5678 said:
Get the bundle. Sure it may be $7/month, but the insurance and warranty cover phones that you buy in the future too. (Even second hand phones)
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Click to collapse
where do i find this information

Let's do the math on accidental insurance

I've read the Worth Ave thread but I am going to pass on the college plus despite what the phone operator told me since it is clearly stated on their website that you must be a student or employee of colleges or universities.
So for Accidental smartphone coverage:
Worth Ave : $59/year with $50 deductible with no limits on number of incidents. Not sure if there is only one replacement allowed per year.
Cons: maximum of $599, no normal wear and tear or mechanical breakdown, ONLY accidental drops, spills and theft. No claims if you simply lost your phone.
Gocare insurance: $59/year with $50 deductible with no limits on number of incidents. One replacement device during the coverage term. Said it will cover jailbroken phone so I would assume rooted phone also. Coverage seems to be very comprehensive but no theft or loss coverage.
Square trade: one year is $69 two year is $99(cheaper at Amazon, $125 at square trade site) $99 deductible. One replacement per coverage term. Each accidental claim is deducted from full replacement value of phone. A little ambiguity since when I read the contract, it said PURCHASED PRICE not full replacement cost.
Squaretrade:
Given the $99 deductible and the fact that if you paid for 2 years for squaretrade, and the fact that each time you have a claim, the cost of the claim is deducted from the maximum value, I do not think that the squaretrade deal is a good deal. If you choose the $6.99/month, you still have to pay for all 24 months if you made any claim. Also suppose you need a replacement 3 months after your coverage starts, you are out $99 plus $99 and you will not have any more coverage on the replacement device since you exhausted the maximum value.
Gocare:
For $59/year with $50 deductible, I think this is a better plan. Each incident whether it requires replacement or repair is $50 not $99. Also if your phone is not repairable during the first year, you are out only $59+$50 instead of $198 if you had square trade. Also you can repair as often as you like. Crack screen twice, $100. With Squaretrade, two crack screens and you are out $198 plus you probably can't submit another claim ever on that policy if the actual screen replacement cost is half the phone cost.
Either way, it is cheaper and wiser to buy one year instead of two year. Buying one year at a time will allow one replacement each year for the worst case.
I want to hear your thoughts but looks like I am going to pull the trigger on gocare insurance.

I can confirm I claimed on square trade and was given the full retail amount to purchase a new phone
Sent from my SPH-L900 using Tapatalk 2

I went with Squaretrade because of their good reviews on Amazon, etc.
I have Sprint's insurance currently, but for 11 dollars a month, with a 150 deductible, I wanted to try something else.
The problem with what you said, buying 1 year at a time, is that I dont believe with Squaretrade you can do that. My understanding is that you have to buy it within the first 30 days of purchasing your phone.

So does Gocare cover loss or theft? It sounds like the best deal, but lost or stolen is important to me.

bullz7210 said:
I went with Squaretrade because of their good reviews on Amazon, etc.
I have Sprint's insurance currently, but for 11 dollars a month, with a 150 deductible, I wanted to try something else.
The problem with what you said, buying 1 year at a time, is that I dont believe with Squaretrade you can do that. My understanding is that you have to buy it within the first 30 days of purchasing your phone.
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That is true, forgot about the 30 days.
GoCare doesn't care if your smartphone is new so you can just buy another one after the first year ends. Neither GoCare nor square trade covers theft or loss but I believe Sprint does.
Worth Ave group covers theft but probably requires a police report. It does not cover lost.
I took a chance and bought the $2000 coverage from Worth Ave group for a year since it is a blanket coverage of all your devices up to $2000. Since you don't even need to submit serial numbers(you can do that when you make a claim, provided you have the original box OR the receipt), I am basically covering every piece of electronics I own for up to $2000(smartphones, camera, laptop, camcorder) against accidental damage, spills, and thefts. Since I have 4 smartphones purchased for family plan, everyone of them is covered against crack screens, drops, and water submersions. For $66/year, I took a chance and hopefully if I have to make a claim, it will be a hassle free $25 deductibles.

I'm glad this thread is here, I was about to make a similar post. I'm also wondering which way to go as I currently have the Sprint coverage and would like something better and more affordable. I never heard of Gocare until now. I've used Squaretrade for my TF700 and it went well, bought a new one with the money...no deductible for tabs.
I'm thinking that will all the things that could go wrong with a phablet, if it would be better to go with Sprint for the ease. Will definitely look more into Gocare as I plan on picking up my phone this weekend.
I also was checking with Professor Google and found this: http://www.ensquared.com/GoCare-vs-Ensquared-vs-SquareTrade Ensquared is looking really good too. I'm going to put some more research into it but from their page here they look to have the best coverage: http://www.ensquared.com/catalog/phone-insurance/1-year-phone-insurance-smartphone

What about best buy? I heard we can just take the receipt and box into the store to get it added.

Ensquare looks pretty good since it covers loss also. Price is not bad for 1 or 2 years and you get up to 2 or 3 claims. I guess squaretrade is best known for service but if you need replacement within 2 years(assuming $99 2 years coverage), you will be out $198 and won't be able to make any more claims. With ensquare, you can lose your phone up to 3 times and they will charge you $75 for first time, $100 second and third time. How is ensquare's claim reputations?

Thanks to being spurred on by this thread, I have decided on insurance (which I NEVER get, but this phone is too expensive to risk) and weighed all the options. I just signed on with Ensquared. I almost went with GoCare, but read several things that said it was more a repair facility than an underwritten insurance provider. I ruled out Square Trade, Sprint and others for a variety of reasons. $59/yr with up to 2 claims ($1000 limit per claim), $75 ded on first and $100 if there's a second. Probably I will have none, but already feel more relaxed. They also cover loss or theft. Link if interested: http://www.ensquared.com/catalog/phone-insurance/1-year-phone-insurance-smartphone

Why not Sprint TEP?
Does it cost more? Yes. $11 a month.
Defective phone or wear and tear? Take it to the store. Swapped or repaired.
Lost, stolen or damaged? $150 deductible. I think there was something stating it's 3 swaps now.
Without it and with a 3rd party insurance. You have your 1 year warranty, but there is a $36 swap fee involved. Or good luck contacting Samsung. I tried and no one spoke English or had any idea of what I meant when I called in and explained my vibration issue. The motor or something is loose that it reproduces a horrid cracking sound. I have to keep it turned down at all times.

Silent25r said:
What about best buy? I heard we can just take the receipt and box into the store to get it added.
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Click to collapse
I work for best buy mobile an you can only add our protection plan if you bought the phone with us, with the exception of the iphone which we'll insure no matter where it was bought as long as its within 30 day of purchase and no damage to phone.

ps2gamer02 said:
I work for best buy mobile an you can only add our protection plan if you bought the phone with us, with the exception of the iphone which we'll insure no matter where it was bought as long as its within 30 day of purchase and no damage to phone.
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Click to collapse
I have a phone I bought at sprint online and just went into the store and they added the insurance no problem
Sent from my SPH-L900 using xda premium

aquaholik said:
That is true, forgot about the 30 days.
GoCare doesn't care if your smartphone is new so you can just buy another one after the first year ends. Neither GoCare nor square trade covers theft or loss but I believe Sprint does.
Worth Ave group covers theft but probably requires a police report. It does not cover lost.
I took a chance and bought the $2000 coverage from Worth Ave group for a year since it is a blanket coverage of all your devices up to $2000. Since you don't even need to submit serial numbers(you can do that when you make a claim, provided you have the original box OR the receipt), I am basically covering every piece of electronics I own for up to $2000(smartphones, camera, laptop, camcorder) against accidental damage, spills, and thefts. Since I have 4 smartphones purchased for family plan, everyone of them is covered against crack screens, drops, and water submersions. For $66/year, I took a chance and hopefully if I have to make a claim, it will be a hassle free $25 deductibles.
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Click to collapse
They DO cover lost...if you file a report. I.E. "I saw it here last but now it is gone", with the police. Not loss in your living room. It has to be reported.
I had extensive conversations with them. As long as you are not trying to scam them. I hope I don't have to use it either.
And to the guy that said why not Sprint. It's 11 a month and $200, not $150 to replace.

steviee7 said:
I have a phone I bought at sprint online and just went into the store and they added the insurance no problem
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Please expound. I might be interested in doing this, but thought I had to buy it at Best Buy to be eligible.

ffolkes said:
Please expound. I might be interested in doing this, but thought I had to buy it at Best Buy to be eligible.
Click to expand...
Click to collapse
I went to a best buy and they said only an iPhone would they sell insurance on it if you didn't get it from them. So no luck. He said return the phone and get it from them....

This site add some insight http://extended-warranty-services-review.toptenreviews.com/
Sent from my ASUS Transformer Pad TF700T using XDA Premium HD app
---------- Post added at 10:28 PM ---------- Previous post was at 10:04 PM ----------
aquaholik said:
That is true, forgot about the 30 days.
GoCare doesn't care if your smartphone is new so you can just buy another one after the first year ends. Neither GoCare nor square trade covers theft or loss but I believe Sprint does.
Worth Ave group covers theft but probably requires a police report. It does not cover lost.
I took a chance and bought the $2000 coverage from Worth Ave group for a year since it is a blanket coverage of all your devices up to $2000. Since you don't even need to submit serial numbers(you can do that when you make a claim, provided you have the original box OR the receipt), I am basically covering every piece of electronics I own for up to $2000(smartphones, camera, laptop, camcorder) against accidental damage, spills, and thefts. Since I have 4 smartphones purchased for family plan, everyone of them is covered against crack screens, drops, and water submersions. For $66/year, I took a chance and hopefully if I have to make a claim, it will be a hassle free $25 deductibles.
Click to expand...
Click to collapse
Where did you see the blanket coverage on their site or did you call?
Sent from my ASUS Transformer Pad TF700T using XDA Premium HD app

chrischoi said:
Why not Sprint TEP?
Does it cost more? Yes. $11 a month.
Defective phone or wear and tear? Take it to the store. Swapped or repaired.
Lost, stolen or damaged? $150 deductible. I think there was something stating it's 3 swaps now.
Without it and with a 3rd party insurance. You have your 1 year warranty, but there is a $36 swap fee involved. Or good luck contacting Samsung. I tried and no one spoke English or had any idea of what I meant when I called in and explained my vibration issue. The motor or something is loose that it reproduces a horrid cracking sound. I have to keep it turned down at all times.
Click to expand...
Click to collapse
People are saying it's $200 for the Note 2 which IMO is getting outta hand.

Sprint insurance is getting so expensive it's out of the question for me. I can wait for a few days while my phone is getting repaired (did it twice with my Epic). The local sprint store (and I did not have TEP) was kind enough to give me a loaner for a week without any charge (best buy will do the same if you have their coverage).
I'm going to go with Best Buy. $169, no deductible. Sure it's more out of pocket, but I've heard of them, and after one claim I'm ahead of the game than with Squaretrade.

Chuck_IV said:
People are saying it's $200 for the Note 2 which IMO is getting outta hand.
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Click to collapse
Yes. I had to pay $200
MeetFace said:
Sprint insurance is getting so expensive it's out of the question for me. I can wait for a few days while my phone is getting repaired (did it twice with my Epic). The local sprint store (and I did not have TEP) was kind enough to give me a loaner for a week without any charge (best buy will do the same if you have their coverage).
I'm going to go with Best Buy. $169, no deductible. Sure it's more out of pocket, but I've heard of them, and after one claim I'm ahead of the game than with Squaretrade.
Click to expand...
Click to collapse
Best Buy vs. Squaretrade Vs Worth Ave.
Go look at my Worthave thread before you decide. $67 for 2k of insurance on any electronics with a $25 deductible.

ZenInsight said:
Yes. I had to pay $200
Best Buy vs. Squaretrade Vs Worth Ave.
Go look at my Worthave thread before you decide. $67 for 2k of insurance on any electronics with a $25 deductible.
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Click to collapse
I didn't see that on their site...how did u get that?
Sent from my ASUS Transformer Pad TF700T using XDA Premium HD app

Insuring for Galaxy Note 4

I am coming from best buy Geek Squad with no deductible. I know best buy is still much better than sprint but I am looking for insurance that offers me the best protection including accidental drops and water damage and coverage for lost and stolen phones (although I'm willing to give this up if I have to in return for a great accidental plan with low ddeductible) I'm curious what everyone else is planning to go with to protect their new phone. With bestbuy I had my phone ran over by a semi and dropped from high elevation (both theories technically not covered) but was replaced twice at no charge.
Anyone find this kind of great insurance else where?

Maybe I'll just do geek squad and drop sprints insurance

hardingn88 said:
I am coming from best buy Geek Squad with no deductible. I know best buy is still much better than sprint but I am looking for insurance that offers me the best protection including accidental drops and water damage and coverage for lost and stolen phones (although I'm willing to give this up if I have to in return for a great accidental plan with low ddeductible) I'm curious what everyone else is planning to go with to protect their new phone. With bestbuy I had my phone ran over by a semi and dropped from high elevation (both theories technically not covered) but was replaced twice at no charge.
Anyone find this kind of great insurance else where?
Click to expand...
Click to collapse
I haven't looked at specifics between plans to compare, something I need to do but I recently read an article on one of the many android-centric sites about best buy's updated insurance plan and it is not so good, a few months back it was modified greatly and at quick glance it was worse than what is provided through sprint. These aren't exact numbers but it was something like 40 dollars per claim even if work (as in fix/replace) is done or not and deductible was through the roof for high-end smartphones [audit needed]. I just remember many of the commenters on the article were saying they were jumping ship from BB insurance and going with sprint's.

No insurance for me. Never had it on a phone I've owned.
Sent from my SPH-L710 using XDA Free mobile app

ahhh, nice, cheaper than both BB and Sprint:
http://www.samsung.com/us/owners/protection-plus/mobile-elite/?CID=AFL-hq-mul-0813-11000170
+1 Samsung
Sprint: $11 x 24 = $264 + $200 deductible, total $464
BB/GeekSquad: $149 up-front + $149 service fee, total $298
Samsung: $129 up-front + $95 service fee, total $224
Sprint includes service/repair in their monthly cost, but not replacement.
BB/GS&Samsung all charge a service fee any severity problem.

evolone said:
ahhh, nice, cheaper than both BB and Sprint:
http://www.samsung.com/us/owners/protection-plus/mobile-elite/?CID=AFL-hq-mul-0813-11000170
+1 Samsung
Sprint: $11 x 24 = $264 + $200 deductible, total $464
BB/GeekSquad: $149 up-front + $149 service fee, total $298
Samsung: $129 up-front + $95 service fee, total $224
Sprint includes service/repair in their monthly cost, but not replacement.
BB/GS&Samsung all charge a service fee any severity problem.
Click to expand...
Click to collapse
Thank you so much for this information. This is what I will be going with. Currently I have been paying $22 a month with best buy for 2 phones and never used it for one of the phones. That is $264 per device over the 24 month policy term that I paid. Samsung seems to have the best plan available for me and seems to have the lowest deductible which has been my concern. I live paycheck to paycheck and do not have $150-$200 to pay to best buy or sprint if I was to need to make a claim and $95/per claim would much easier on me. Again, Thank you for sharing that information. I don't understand why samsung has not marketed this a little better maybe in their commercials or something. Hopefully they will market it better so it will do good. I have been on the samsung site every day for the last week waiting for note 4 accessories and have never seen this.

Squaretrade is even cheaper than Samsung. It has a lower deductible and the premium is cheaper too..
Sent from my SPH-L900 using xda premium

I'm also coming from geek squad with no deductible on my GS4 , and I'll be going to square trade it's the best deal for $100 for 2 Years or 5$ a month and it's a 75$ deductible cheapest of all them, I'll miss the no deductible tho :/

Only the Sprint policy covers lost or stolen phones so something to keep in mind.
I'm not cheer-leading for them just adding info to the archives.
I do use Square Trade on my other electronics but will probably keep the Sprint insurance for a year.

Itchiee said:
Only the Sprint policy covers lost or stolen phones so something to keep in mind.
I'm not cheer-leading for them just adding info to the archives.
I do use Square Trade on my other electronics but will probably keep the Sprint insurance for a year.
Click to expand...
Click to collapse
I haven't filed a claim with them yet, but Worth Ave. Group insurance seems to be the best deal, and has great reviews: http://www.worthavegroup.com/product/cell-phone-insurance/
For a $699 phone and $50 deductible, it's $69 per year. From their site, "Each policy covers the cell phone for Accidental Damage such as drops and spills as well as Theft, Fire, Flood, Natural Disasters and Lightning Strikes. With a low $50 deductible and premiums starting as little as under $4 a month, this policy accommodates every budget. We cover NEW, USED and REFURBISHED devices."

I've been doing some more digging around about policies and this might be some useful information.
Options for people concerned with lost/stolen smartphones
-Renters/Homeowners Insurance - you'll need to add a "Valuable Personal Article" to your plan - this is also the cheapest way to go out of all of them, but only covers loss not damage (same insurers may cover damage)
-Sprint (insurance by Asurion)
If only concerned about broken/damaged smartphones (plans exclude loss)
-Squaretrade
-Samsung
Alternative ...best deal of them all but there is some risk (imo)
-Worth Ave. Group
Note: They pay out cost of plan instead of repair/replace. If you go with the $899 plan and if something happens to the phone they send you $899. The issue I found is if you look up reviews online (not on their website) there are mixed reviews, people have had problems with their claims and WAG's customer service. So there seems to be some risk here of getting the money, also the wait-time of processing the claim and actually receiving the money. [update] They don't cover loss and their definition of theft is extremely specific, read their fine print.

Itchiee said:
Only the Sprint policy covers lost or stolen phones so something to keep in mind.
I'm not cheer-leading for them just adding info to the archives.
I do use Square Trade on my other electronics but will probably keep the Sprint insurance for a year.
Click to expand...
Click to collapse
Also, if you're using Easy Pay and plan to upgrade in a year, you can only trade in the original device or a Sprint approved replacement. If you use other insurance and get a replacement, you'll have to keep it the full two years.

evolone said:
I'll
If only concerned about broken/damaged smartphones (plans exclude loss)
-Squaretrade
-Samsung
Click to expand...
Click to collapse
Samsung has insurance? Is it well priced?

I didn't even realize that bestbuy changed. I've been looking around for the negative reviews by Worth Ave and I can't find any. I've seen a few that claim to be negative but the details sound like people are trying to get coverage on things that were stated not to be covered. I'm not trying to defend them by any means. Just looking for where all these mixed reviews are posted.

Silent25r said:
I didn't even realize that bestbuy changed. I've been looking around for the negative reviews by Worth Ave and I can't find any. I've seen a few that claim to be negative but the details sound like people are trying to get coverage on things that were stated not to be covered. I'm not trying to defend them by any means. Just looking for where all these mixed reviews are posted.
Click to expand...
Click to collapse
Here is a good place to look BBB, yes they are 'resolved' but if you read them, many are not to the customers satisfaction.
There's also more, just google for it, you'll need to do some digging through ads/promotions and whatnot. Some of the complaints have to do with technicalities in the fine print that allow the company to deny the claim. For example if my phone is stolen I'd expect reimbursement from the claim under any circumstance, not an investigation into why it doesn't fit their definition of theft and then denied. Here's a scenario they would deny: Your at starbucks and place an order, you go find a table and put your phone on it, they call your name and you get your coffee, you come back to an empty table. Stupid absolutely, but the phone was stolen (theft), Worth would deny that claim because the phone was unprotected and "free for the taking". That's a simplistic example of the reviews/complaints/issues i've found. Basically there has to be some act of vandalism (breaking and entering/physical attack etc) along with the act of theft for it be covered and apparently this is in the fine print and not in their advertisements.
---------- Post added at 02:07 PM ---------- Previous post was at 02:06 PM ----------
jrollercoasters said:
Samsung has insurance? Is it well priced?
Click to expand...
Click to collapse
Post 5

evolone said:
Here is a good place to look BBB, yes they are 'resolved' but if you read them, many are not to the customers satisfaction.
There's also more, just google for it, you'll need to do some digging through ads/promotions and whatnot. Some of the complaints have to do with technicalities in the fine print that allow the company to deny the claim. For example if my phone is stolen I'd expect reimbursement from the claim under any circumstance, not an investigation into why it doesn't fit their definition of theft and then denied. Here's a scenario they would deny: Your at starbucks and place an order, you go find a table and put your phone on it, they call your name and you get your coffee, you come back to an empty table. Stupid absolutely, but the phone was stolen (theft), Worth would deny that claim because the phone was unprotected and "free for the taking". That's a simplistic example of the reviews/complaints/issues i've found. Basically there has to be some act of vandalism (breaking and entering/physical attack etc) along with the act of theft for it be covered and apparently this is in the fine print and not in their advertisements.
---------- Post added at 02:07 PM ---------- Previous post was at 02:06 PM ----------
Post 5
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Thanks for that reply. I did read the BBB. At least some of them. A lot of the issues did deal with people leaving their cars unlocked or breaking in commercial used vehicles. I don't know about worth ave ads since I usual don't read the ads. I've yet to leave any of my phones unprotected and I'm anal about locking things up. However, as far as insurance goes the only ones I've looking at don't offer replacement for stolen devices of any kind. Samsung and squaretrade. Since I don't like a lot of time to go by on waiting for a replacement Squaretrade is out for me.
Aursion brunt me bad. I filed a BBB case against them myself. Had liquid damage with my note 2. After agreeing to pay the high deductible they sent me a broken replacement and refused to replace the replacement. Sprint kept telling me I had 10 days to get them to replace it but they wouldn't do it. I spoke to supervisors at Aursion and did all I could to get them to replace my broken replacement and they told me the only way they'd do it if is if I paid another 250 or whatever stupidly high price they are charging. I ended up having to wait around for a week for Sprint to get me a replacement device and surprising that device didn't work so I had to wait yet another week. I did finally get a working phone and I was refunded the deductible on the grounds of TEP not following their contract. I had to get a hold of sprint corporate in order to make this refund happen. Aursion didn't appear to be happy with the way things went and made sure I knew that I would never have to use them again.
Under the Samsung insurance if my device fails under normal circumstances will they still get me a fast replacement and not charge me 95 bucks to fix their problem? That for me is the kicker. If not, I'm probably going to go with Worth Ave. I'm not really counting on my phone being stolen but I do spend a lot of time on the water. Liquid damage is my worse enemy. I didn't want the S5 and no case so far offers waterproofing. For now, I'll just use a waterproof box and a bluetooth. Despite these measures I had one of those boxes fail on me taking my device with it. This week I'll be going through Worth Ave's terms and conditions and e-mailing them questions on anything I'm unsure about.
I still don't understand how Best Buy went from being on the best to what I'm calling one of the worst in terms of insurance. From the looks of things even it is covered under warranty they may still charge to fix or replace it. I understand people gaming the system but I think they went a little to aggressive on stopping that from happening.

i've never had an issue with Geek Squad and my Note 2 other than having to use one of my own phones as a backup until it was fixed (don't carry sprint phones for some reason). I had a bad string of unfortunate events within about a 3 month period and went through three Note IIs. They replaced each one without question. The last replaced phone was about four months ago. i suppose I'll be finding out what has changed since then when my phone comes in.

Silent25r said:
...For now, I'll just use a waterproof box and a bluetooth. Despite these measures I had one of those boxes fail on me taking my device with it.
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Why not go with liquipel? I don't mean the self applied external only stuff they sell but their service that waterproofs inside and all. They downplay its functionality somewhat on their site but check out the youtube videos of multi-hour submersion in water. And if you live near Santa Ana or Vancouver you can get it done locally in 20 minutes instead of waiting for shipping.

4SQUARE

Probably a stupid question, but can you do 2 warranties at the same time? For example, i want to be covered for the lost/stolen part of sprint, but I also want the lower deductible from Squaretrade. Is that possible?
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