AppleCare Phone Insurance Review

Debanjan Chowdhury Profile image

Written by:

Updated September 29, 2022
92 Expert Rating

AppleCare Phone Insurance is hands down the best cell phone insurance for new iPhones. Once you buy your shiny new iPhone from an Apple store, you might get pushed to opt for the AppleCare protection policy. But is it worth it? That’s what we are taking a look at today.

Why We Like It – AppleCare Phone Insurance

With both AppleCare+ and normal AppleCare Phone insurance, you get direct support from Apple. And other than a few unfortunate cases, Apple’s service is usually unmatched. And if you buy an AppleCare plan along with your new device, claiming a warranty or replacement becomes incredibly easy past the one-year limited warranty. For non-iPhone users, you can get good coverage with the Allstate Cell Phone Insurance if you only need to repair your phone. If you want a plan for not only your phone but other electronics as well, you can check out our Progressive cell phone insurance review to see if it is worth it for you.

  • Get help directly from Apple support
  • iPhones less than 60 days old are eligible
  • Other Apple devices (e.g., Apple TV, Apple Watch, Mac) are also eligible
  • Slightly more expensive than a few other third-party protection plans

Coverage And Deductible

AppleCare coverage is pretty good for both plans. iPhones all the way up from 12 Pro Max, XS Max, down to the iPhone SE are eligible for AppleCare. The standard AppleCare+ plan only covers accidental damages. But, if you pay a few bucks more per month, you get theft/loss coverage too. The deductible for a replacement device is $150. We know the AppleCare plan is not for everyone, so if you don’t need it, consider getting the Asurion Phone Protection for extra peace of mind. And if you do use Asurion, you may find our article about phones remanufactured by Asurion interesting.

Backup Services

AppleCare doesn’t protect your important data; most insurance plans don’t. But don’t let that make you turn away from AppleCare. Up to two incidents are covered every year, pretty much no questions asked. Still, if you keep important data on your phone, it’s better to go for AKKO Phone Insurance. Additionally, if you have service through AT&T, you may want to check out our AT&T cell phone insurance review to learn more about their tiered coverages.

Customer Service

Well, it’s Apple we are talking about here. Customer Service is obviously going to be top-notch. It’s miles better than Best Buy’s Geek Squad Phone Protection Plan or any other third-party insurance provider available out there. That’s what you get for paying a hefty premium, both for your phone and for AppleCare. You do get what you pay for.

Security Features

iPhones are the most secure consumer-grade smartphones out there. And the AppleCare protection plan also includes a few security features, unlike the Squaretrade cell phone insurance. And you get 60 days of time to decide whether or not you want to opt for AppleCare.


AppleCare+ used to be terrible in terms of value earlier. But a few months ago, Apple made changes to both the plans and made them way better with cheaper replacement fees and more coverage. Now, AppleCare is the prime phone insurance for iPhone users. Additionally, if you like a good value, some credit cards have an added perk of cell phone insurance, to learn more, you can read our list of the top credit cards with cell phone insurance.

AppleCare Phone Insurance Wrap Up

The AppleCare Phone Insurance plans are incredible value for money for supported iPhones. Because it’s directly from Apple, you can opt-in for it with your eyes closed. It is definitely worth it for most users who usually drop their phones.