Cell Phone Protection

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

All world elite cards are supposed to have cell phone coverage.  If you have one, you can check it out.

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There are exceptions like Citi. 

I personally wouldn't rely on the insurance that comes with a credit card. Most of the time it won't cover a flagship phone (the WEMC coverage is limited to $800 per incident with a 2 incident or $1K max per year), it's secondary to any other insurance you may have, may have deductibles, requires an estimate for the repair cost or a police report for theft, and obviously doesn't have the carrier behind them pushing them to approve claims. 

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The only thing I rely on is being very careful with my phone. I've never broken a phone and have dropped mine about 5 times in 20 years. That's the best cell insurance.  The ones offered by your carrier are not much better. I'd never pay what they want for a plan that has a deductible.

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I've never broken a phone either but it's so much more convenient to make a call and have your phone replaced when something gets messed up and it's under warranty than filing a warranty claim and having to ship your phone off for two weeks or more. Given the option of being without my phone or paying for insurance to get the benefit of being able to get a working phone within 24 hours, I'll pay every time and I build the insurance cost into my expected purchase cost for the phone anyway. 

I also tend to use perks like early upgrades. When I had T-Mobile, I upgraded my phone twice a year a few times and all it cost me to do it was the taxes. 

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I use my tablet for this forum, and can use it to make calls and text. I'd have to tell folks it's me with an unknown number, but it's a backup. 

People do use it and it works. The misconception is that it ONLY supplementary to homeowners insurance,  but that doesn't apply when something happens to your phone at home.

I never had cell phone coverage and never will. Getting coverage for nothing is something I don't have a problem with. 

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My cell phone is like an extension of my body. I have an iPad Mini too but it's not as convenient as my phone. 

I suppose if you don't mind possibly getting less than the actual value of your device if something happens, free is better than nothing, but it's nowhere near good enough for me. Maybe I would feel differently if I didn't have an iPhone though. You kinda just figure AppleCare+ into the cost. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

All world elite cards are supposed to have cell phone coverage.  If you have one, you can check it out.

---

There are exceptions like Citi. 

I personally wouldn't rely on the insurance that comes with a credit card. Most of the time it won't cover a flagship phone (the WEMC coverage is limited to $800 per incident with a 2 incident or $1K max per year), it's secondary to any other insurance you may have, may have deductibles, requires an estimate for the repair cost or a police report for theft, and obviously doesn't have the carrier behind them pushing them to approve claims. 

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The only thing I rely on is being very careful with my phone. I've never broken a phone and have dropped mine about 5 times in 20 years. That's the best cell insurance.  The ones offered by your carrier are not much better. I'd never pay what they want for a plan that has a deductible.

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I've never broken a phone either but it's so much more convenient to make a call and have your phone replaced when something gets messed up and it's under warranty than filing a warranty claim and having to ship your phone off for two weeks or more. Given the option of being without my phone or paying for insurance to get the benefit of being able to get a working phone within 24 hours, I'll pay every time and I build the insurance cost into my expected purchase cost for the phone anyway. 

I also tend to use perks like early upgrades. When I had T-Mobile, I upgraded my phone twice a year a few times and all it cost me to do it was the taxes. 

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I use my tablet for this forum, and can use it to make calls and text. I'd have to tell folks it's me with an unknown number, but it's a backup. 

People do use it and it works. The misconception is that it ONLY supplementary to homeowners insurance,  but that doesn't apply when something happens to your phone at home.

I never had cell phone coverage and never will. Getting coverage for nothing is something I don't have a problem with. 

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My cell phone is like an extension of my body. I have an iPad Mini too but it's not as convenient as my phone. 

I suppose if you don't mind possibly getting less than the actual value of your device if something happens, free is better than nothing, but it's nowhere near good enough for me. Maybe I would feel differently if I didn't have an iPhone though. You kinda just figure AppleCare+ into the cost. 

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I'm probably not going to hit them up for a minor repair. A total loss, I would.  I never had to deal with it before so who knows.

[Anonymous]

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@Anonymous wrote:

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I'm probably not going to hit them up for a minor repair. A total loss, I would.  I never had to deal with it before so who knows.

I've owned 25 smartphones going back to 2006 and I've had to use extended warranty benefits from my insurance package for 4 devices that I can think of. 

I actually haven't had any major issues since the Windows Mobile days though and I switched to Android in 2009 so I probably could drop my insurance but the second I do, something will happen to my phone and I'll have to spend hundreds of dollars getting it fixed. That's the way those things always go. 😔 

Better safe than sorry for me. I just get the lowest storage model to make up most of the $12/mo I pay for the insurance anyway. 

[shoegal]

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@Anonymous wrote:

. 

I'm probably not going to hit them up for a minor repair. A total loss, I would.  I never had to deal with it before so who knows.

I've owned 25 smartphones going back to 2006 and I've had to use extended warranty benefits from my insurance package for 4 devices that I can think of. 

I actually haven't had any major issues since the Windows Mobile days though and I switched to Android in 2009 so I probably could drop my insurance but the second I do, something will happen to my phone and I'll have to spend hundreds of dollars getting it fixed. That's the way those things always go. 😔 

Better safe than sorry for me. I just get the lowest storage model to make up most of the $12/mo I pay for the insurance anyway. 

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But if you have AppleCare+, why do you also pay for carrier insurance?

It seems like overkill.

[Anonymous]

Maybe I missed something but, Android isn't Apple.

I avoid the whole situation altogether even though I have my bill charged to my CC I tend to keep my phone in my pocket when it's not in use and when it's in use as well w/ BT.  I also don't follow the trends and upgrade it every other month for $1000+ per phone.  I picked up a 256GB / 8GB RAM phone for ~$300 and it will probably be mine for the next 4 years until there's a major upgrade to the networks / technologies. 

Now, computers on the other hand.... totally different story.

[Anonymous]

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@Anonymous wrote:

Maybe I missed something but, Android isn't Apple.

I avoid the whole situation altogether even though I have my bill charged to my CC I tend to keep my phone in my pocket when it's not in use and when it's in use as well w/ BT.  I also don't follow the trends and upgrade it every other month for $1000+ per phone.  I picked up a 256GB / 8GB RAM phone for ~$300 and it will probably be mine for the next 4 years until there's a major upgrade to the networks / technologies. 

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Well, there IS a major upgrade to the networks, 5G!  Just a question of a) when it comes to your area and b) when you feel the need to partake...

[Anonymous]

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@Anonymous wrote:

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Well, there IS a major upgrade to the networks, 5G!  Just a question of a) when it comes to your area and b) when you feel the need to partake...

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I've worked for the major players in the cellular arena.... I'm well aware of 5G and all the stuff that happens behind the scenes and even have a cell site on my building.   Not too worried about it for the next 18 months.  It's all being deployed in draft statius with updates needing to be made to be compatible with home and mobile deployments still.  Handsets are going to be an isue even with modem chips that are capapble of the speed of 5G because the signal bands are not yet specified or compatible widely either.

[Anonymous]

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@shoegal wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

. 

I'm probably not going to hit them up for a minor repair. A total loss, I would.  I never had to deal with it before so who knows.

I've owned 25 smartphones going back to 2006 and I've had to use extended warranty benefits from my insurance package for 4 devices that I can think of. 

I actually haven't had any major issues since the Windows Mobile days though and I switched to Android in 2009 so I probably could drop my insurance but the second I do, something will happen to my phone and I'll have to spend hundreds of dollars getting it fixed. That's the way those things always go. 😔 

Better safe than sorry for me. I just get the lowest storage model to make up most of the $12/mo I pay for the insurance anyway. 

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But if you have AppleCare+, why do you also pay for carrier insurance?

It seems like overkill.

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Xfinity Mobile charges $12/mo for their insurance which includes full AppleCare+ and loss/theft so I just go that route. 

[shoegal]

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@Anonymous wrote:

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@shoegal wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

. 

I'm probably not going to hit them up for a minor repair. A total loss, I would.  I never had to deal with it before so who knows.

I've owned 25 smartphones going back to 2006 and I've had to use extended warranty benefits from my insurance package for 4 devices that I can think of. 

I actually haven't had any major issues since the Windows Mobile days though and I switched to Android in 2009 so I probably could drop my insurance but the second I do, something will happen to my phone and I'll have to spend hundreds of dollars getting it fixed. That's the way those things always go. 😔 

Better safe than sorry for me. I just get the lowest storage model to make up most of the $12/mo I pay for the insurance anyway. 

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But if you have AppleCare+, why do you also pay for carrier insurance?

It seems like overkill.

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Xfinity Mobile charges $12/mo for their insurance which includes full AppleCare+ and loss/theft so I just go that route. 

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That makes sense!