Apple Care Insurance Cost – Honest Review

Apple Care Insurance Cost – Honest Review

Apple Care Insurance Cost: When it comes to protecting your iPhone investment, AppleCare insurance is a comprehensive solution offered by Apple.

This coverage goes beyond the standard limited warranty and complimentary technical support, providing users with peace of mind and expert assistance.

Here, we delve into the details of AppleCare and AppleCare+ with Theft and Loss, exploring the benefits, coverage options, and costs associated with these plans.

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Apple Care Plan Cost – Honest Review

Apple Insurance Cost: Unlocking the Secrets of AppleCare

Understanding AppleCare Coverage

Every new iPhone automatically comes with one year of hardware repair coverage through its limited warranty, along with 90 days of complimentary technical support.

AppleCare and AppleCare+ plans extend this coverage, offering additional features such as 24/7 priority tech support and protection against accidental damage.

AppleCare vs. AppleCare+ with Theft and Loss


  • Unlimited incidents of accidental damage protection.
  • Service fees for incidents, such as screen or back glass damage and other accidental damage.
  • 24/7 priority access to Apple experts for support via chat or phone.
  • Express Replacement Service and various service options, including same-day service in major metropolitan areas.

AppleCare+ with Theft and Loss

  • Includes all features of AppleCare+.
  • Up to two incidents of theft or loss coverage every 12 months, subject to a deductible.
  • Find My enabled required during the claims process for theft and loss coverage.

Service Fees and Deductibles

Knowing the service fees and deductibles is crucial for understanding the financial aspect of coverage. Incidents such as screen or back glass damage have different fees compared to theft or loss incidents, providing users with clear information on potential costs.

Convenient Service Options

AppleCare+ ensures that users experience minimal downtime when faced with iPhone issues. With 24/7 priority access to Apple experts, same-day service options, Express Replacement Service, mail-in repair, and carry-in repair, AppleCare+ users have a range of convenient choices for resolving their device-related concerns.

Coverage for Your iPhone

Both AppleCare+ options offer hardware service, covering your iPhone, battery, and included cable. This coverage includes unlimited incidents of accidental damage protection and, for AppleCare+ with Theft and Loss, up to two incidents of theft or loss coverage every 12 months.

Software Support

Apple experts are readily available to assist with software-related issues. Whether it’s troubleshooting problems with iOS, iCloud, or Apple-branded apps, users can directly access Apple’s support for a seamless experience.

AppleCare+ Costs

The cost of AppleCare+ and AppleCare+ with Theft and Loss varies based on the iPhone model and the chosen coverage duration. Users can opt for a fixed-term plan or a monthly plan that automatically renews until canceled.

How to Purchase

Users can purchase AppleCare+ products either with their new iPhone or within 60 days of the iPhone purchase. This can be done through various channels, including on the iPhone itself, online, at an Apple Store, or by calling Apple’s support line.

How Much Does AppleCare Cost?

In a world where smartphones are not only essential but also significant investments, protecting your device becomes paramount.

The latest offerings from Apple, such as the iPhone 15 Pro and 15 Pro Max, boast starting prices of $999 and $1,199, respectively.

However, with great technology comes a hefty repair bill, prompting many to consider safeguarding their purchases.

The High Cost of Repairs

Apple’s repair fees can be staggering. A cracked screen on the iPhone 15 Pro Max, for instance, will set you back $379, while addressing both the screen and back glass can cost around $499.

If the rear camera needs fixing, be prepared to spend approximately $249. The expenses add up quickly, making it crucial to weigh the options for protecting your device.

Enter AppleCare+

For those looking to mitigate potential repair expenses, Apple offers the AppleCare+ plan at $199. This two-year coverage not only reduces the deductible for screen replacement to $29 but also includes back glass repair for $58.

Additional accidental damage incurs a fee of $99. The plan also provides 24/7 tech support and offers the option to add loss and theft protection for an extra charge.

Is AppleCare+ Worth It?

Determining the worth of AppleCare+ requires careful consideration. The plan covers up to two incidents of accidental damage in a 12-month period, along with battery service or replacement if capacity drops below 80%. An additional $70 extends coverage to include up to two incidents of theft or loss in each 12-month period.

Breaking Down the Costs

The cost of AppleCare+ varies based on the iPhone model:

  • iPhone 15 Pro, 15 Pro Max:
  • Standard AppleCare+: $199 (one-time fee) or $9.99 per month
  • AppleCare+ with theft and loss protection: $269 (one-time fee) or $13.49 per month
  • iPhone 15 Plus:
  • Standard AppleCare+: $179 (one-time fee) or $8.99 per month
  • AppleCare+ with theft and loss protection: $249 (one-time fee) or $12.49 per month
  • iPhone 15, iPhone 14, iPhone 13:
  • Standard AppleCare+: $149 (one-time fee) or $7.99 per month
  • AppleCare+ with theft and loss protection: $219 (one-time fee) or $11.49 per month
  • iPhone SE (3rd Generation):
  • Standard AppleCare+: $79 (one-time fee) or $3.99 per month
  • AppleCare+ with theft and loss protection: $149 (one-time fee) or $7.49 per month

Making an Informed Decision

Whether AppleCare+ is worth the investment depends on various factors, including your phone model and risk tolerance. While the plan provides peace of mind for high-risk situations, it may not be cost-effective for everyone.

Consider your usage patterns, potential risks, and the cost of repairs without the plan. If unexpected repair costs are a concern, the $79 to $269 AppleCare+ fee might be a small price to pay for peace of mind.

Ultimately, the decision hinges on how much risk you are willing to assume to protect your valuable iPhone investment.

How Much Is Insurance For iphones?

Losing or damaging your phone can be a stressful experience, leaving you disconnected from the world. Recognizing the importance of phone insurance, many options are available, including AppleCare Plus and various plans from wireless carriers.

Below, we’ll delve into the details, comparing the benefits and costs of these plans to help you make an informed decision.

AppleCare Plus: When You Want Apple to Handle Everything

When purchasing an iPhone, AppleCare Plus is often presented as a comprehensive protection option. The choice between the base plan and the slightly more expensive one covering theft and loss depends on your preferences and needs.

AppleCare Plus monthly costs range from $4 to $13.49, with two-year plans ranging from $79 to $269. These plans cover unlimited repairs for accidental damage, battery issues, and more. However, there are service fees or deductibles ranging from $29 to $149, depending on the type of damage.

One notable downside is that AppleCare Plus focuses solely on the phone itself, with limited support for changes to your wireless service. This may be a drawback if you prefer to work directly with your carrier.

Phone Insurance from Your Wireless Provider

Verizon, T-Mobile, and AT&T offer phone insurance plans similar to AppleCare Plus, often allowing repairs through Apple. These carrier plans may include additional benefits like security software subscriptions or hardware upgrade options.

Verizon’s Mobile Protect plans, for example, offer varying coverage levels starting at $7.25 per month. As of April 27, Verizon is reducing or eliminating some service fees, making it more appealing. However, deductibles range from $99 to $249, depending on the incident.

AT&T’s Protect Advantage plans provide device insurance with perks like next-day delivery, unlimited screen repairs at $29 each, and unlimited out-of-warranty malfunction claims. Deductibles range from $25 to $275, and the plan starts at $17 per month.

T-Mobile offers two plans: Basic Device Protection and Protection 360. The latter includes AppleCare Plus for two years. Deductibles under Protection 360 range from $29 to $249.

Comparing Costs:

In a comprehensive cost comparison, AppleCare Plus generally emerges as the more affordable option in terms of monthly fees. However, deductibles per incident are comparable across carriers and AppleCare Plus, with Apple’s replacement deductible being one of the lowest at $149.

Considering Additional Factors:

While cost is a crucial factor, other considerations include the scope of coverage, additional benefits, and ease of access to repairs and customer service. Furthermore, existing protection programs from Apple and credit card companies should not be overlooked.


Selecting the right iPhone insurance plan involves weighing costs, coverage, and individual preferences. AppleCare Plus stands out for its affordability, but carrier plans offer additional perks.

Ultimately, the best choice depends on your priorities and how you value the different features each plan offers.

Is Apple Insurance Monthly?

Is Apple Insurance Monthly

Apple has long been a pioneer in offering comprehensive protection plans for its devices. One such option is AppleCare, a safeguard against the anxiety of potential damages or losses to your cherished gadgets.

Traditionally, customers had the choice to pay an additional fee upfront for extended warranty coverage, typically covering a span of two years.

However, Apple is now introducing a new dimension to this service by allowing users to opt for monthly payment plans. This means that instead of shelling out a lump sum at the time of purchase, customers can spread the cost over 24 months.

The flexibility extends not only to the duration but also to the type of coverage, with options like AppleCare Plus and AppleCare with theft and loss protection.

For instance, an iPhone XR user can either pay $149 upfront for a two-year AppleCare Plus plan or opt for a monthly rate of $7.99. The latter option also applies to the more comprehensive AppleCare with theft and loss protection, available at $12.99 per month.

This shift toward monthly payments is undoubtedly convenient for users who prefer a more gradual financial commitment.

It’s important to note that, unlike the traditional plans with a fixed two-year validity, the monthly subscription remains active until canceled. This offers continuous coverage for as long as the user deems necessary. However, there’s a caveat – the coverage might come to an end if Apple faces challenges in sourcing the required parts to service a specific device, as reported by 9to5Mac.

As is customary with monthly subscriptions, there’s a trade-off. While paying upfront costs $149 for an iPhone XR AppleCare subscription, opting for the monthly plan accumulates to $191.76 over the same period. This variation underscores the convenience of monthly payments while highlighting the potential additional expense.

It’s worth mentioning that not all Apple products are eligible for this monthly subscription model. While iPhones, iPads, and Apple Watches fall under this new offering, products like AirPods, Macs, and Apple TVs retain the traditional upfront AppleCare option.

This move by Apple aligns with its broader strategy to enhance and diversify its service offerings. The introduction of monthly payment plans for AppleCare coincides with the company’s recent announcements of other subscription-based services, such as the $4.99 per month Apple Arcade game service, set to launch on September 19, and the $4.99 TV Plus streaming video service scheduled for November 1. Apple continues to adapt to the changing needs and preferences of its user base, providing not just cutting-edge technology but also flexible and user-friendly service options.


Investing in AppleCare insurance ensures that iPhone users not only have hardware protection but also gain access to Apple’s extensive support network.

Whether it’s accidental damage, technical issues, or even theft and loss concerns, AppleCare provides a comprehensive safety net, allowing users to enjoy their devices with confidence.

It’s a valuable addition for those seeking an extra layer of protection and support for their iPhones.