The Best Insurance Plans for iPhone and iPad

Let’s face it: we’ve all dropped our iPhone or iPad at some point in time, whether on soft carpet, a hard surface, or right into a body of water.

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Not to suggest anything along the lines of, “that’s the way it goes,” but I think it’s safe to say that things just happen sometimes, right? Screens crack, outer casings dent, and on occasion, even the functionality of internal components are compromised.

Fortunately, however, there exist several different options for consumers to protect and even replace their precious iPhones or iPads that become damaged as a result of the forces of nature. And no, just in case you were wondering, not all of them involve shelling out hundreds of dollars a pop, either.

AppleCare +

iDrop_iDeviceInsurancePlans_01_JPEGPerhaps the most inexpensive way to protect your iPhone or iPad is by purchasing an AppleCare + protection plan, which is currently going for $99 and $129, respectively.

When purchased, your device will be covered under the terms of the company’s standard 90-day warranty for a full 2-years. This includes technical support and diagnostics, both in store and over the phone, in addition to two instances of accidental damage protection; wherein, if the device becomes badly damaged, it will be replaced up to two times during the two-year period of the plan’s coverage.

AppleCare + can be purchased during the checkout process online, or up to 30-days thereafter.

SquareTrade Protection Plan

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SquareTrade Protection Plans are also a viable option for protecting your iPhone or iPad from accidental damage due to drops, spills or malfunctions.

Similar to the protection plans offered by the big-four wireless carriers, SquareTrade plans boast replacement protection for the iPad for two or three-years, with or without a $49 deductible, at $85 and $105, or $105 and $125, respectively.

When it comes to the iPhone, on the other hand, SquareTrade offers three tiers of protection — a 2-year plan for $99, a 3-year plan for $129, or a pay-as-you-go plan for $8 a month, all of which are applicable to the company’s $75 deductible fee for each claim.

Wireless Carrier Protection plans

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Perhaps the most commonly traversed route, however, is just buying the traditional coverage through your wireless carrier, should you just so happen to be a customer on any of the big-four wireless networks — AT&T, Sprint, T-mobile or Verizon.

Although typically much more expensive than the aforementioned options, ranging from $8 to $12 a month in addition to an $80 or $90 deductible, these plans are often the most convenient choice for customers who purchase their device in-store.

We should also mention that T-mobile recently added both the iPad Air 2 and mini 4 to its own “JUMP! On Demand” program, which enables customers to trade-in and upgrade their tablet up to three times within an 18-month period, and also doubles as an insurance plan.

T-mobile is currently the only carrier to offer such a generous upgrade program, however the other three, in addition to Apple, have recently introduced similar annual trade-in and upgrade programs for the iPhone line.

Is it worth the extra expense to have peace of mind? What coverage plan sounds like a better value to you?

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