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Did you buy the AT&T insurance with your phone?

It's my last day to enroll in insurance for my Captivate.
How many of you have it on your phones? If something breaks and you do wind up making a claim, did you get a new phone or refurb?
I need to make a choice quickly and I'm leaning towards NOT getting it simply because at $5/mo and a $125 deductable, I think there are (or at least will be) better deals online for replacement and if it happens, I think I'd rather apply that towards a NEW phone.
Opinions?

I didn't enrol.

I got it. $5 isn't that big a deal. And a new phone for $125 ain't bad either. I've found that the att deductible goes down the older the phone gets.
Sent from my SAMSUNG-SGH-I897 using Tapatalk

I bought it at Best Buy, got their insurance.

I also pay the $5/mo, but I mainly got it because I was about to take a trip out of the country. I'll probably drop it after another month or 2

Do they give you a new phone for the $125 deductible or a refurb?

I didnt nor have I every paid for insurance on my phones. My wife got it for her iphone, but that was her doing.

Not enrolled here but I never buy extended warranties either. My philosophy is that if it lasts through whatever warranty they give me then I got enough use out of it and it was probably my fault it broke. Although I would recommend http://www.squaretrade.com/ if you need an extended warranty.

I have the insurance, I plan on sometime dropping my phone and saying it broke and get a newer phone...
When something good comes out first

comdei said:
I have the insurance, I plan on sometime dropping my phone and saying it broke and get a newer phone...
When something good comes out first
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They replace it with a Captivate...

qwertyaas said:
They replace it with a Captivate...
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I talked to them and they said you can choose to put the balance towards another phone ^.^

It's a scam.
Unless you are the worlds most clumsy person.
Sent from my Captivate using XDA Premium.

I think I may just forget about the insurance.
I really hate the idea of insurance in general - One one hand, it's there if you need it, but on the other, you're paying LOTS of money for the chance something happens, and even if it does, you've still got a damn deductible. Makes me sick to think how much money I've wasted over the years on things like car insurance, never having had an accident - By the time I do need the insurance, I'm sure I will have pissed away enough money to have bought 3-4 new cars... Bad analogy considering the risk when driving, I know; but still.
Ugh...
As for the Cappy, it seems like AT&T wants customer retention so bad that they'll always get you into a contract renewal to get a new phone - somehow.
[end]Rant[/end]

Dante04SRT said:
I think I may just forget about the insurance.
I really hate the idea of insurance in general - One one hand, it's there if you need it, but on the other, you're paying LOTS of money for the chance something happens, and even if it does, you've still got a damn deductible. Makes me sick to think how much money I've wasted over the years on things like car insurance, never having had an accident - By the time I do need the insurance, I'm sure I will have pissed away enough money to have bought 3-4 new cars... Bad analogy considering the risk when driving, I know; but still.
Ugh...
As for the Cappy, it seems like AT&T wants customer retention so bad that they'll always get you into a contract renewal to get a new phone - somehow.
[end]Rant[/end]
Click to expand...
Click to collapse
Car insurance is not just for your benefit. The part that is forced onto you in every circumstance is liability insurance and that protects other people and their property from you. When you have a loan out on a car, the forced collision and comprehensive coverage protects the bank from you totaling or damaging their collateral.
If you own your car outright, you can choose not to carry the coverage that would fix your car for you.

z28james said:
Car insurance is not just for your benefit. The part that is forced onto you in every circumstance is liability insurance and that protects other people and their property from you. When you have a loan out on a car, the forced collision and comprehensive coverage protects the bank from you totaling or damaging their collateral.
If you own your car outright, you can choose not to carry the coverage that would fix your car for you.
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I am well aware how car insurance works. It's just one of those things that really sucks that you have to pay.

Dante04SRT said:
I am well aware how car insurance works. It's just one of those things that really sucks that you have to pay.
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Unless you are getting scammed, you can pay full coverage for forty years here and not cover the replacement cost of a vehicle. Auto insurance is one that is well worth the cost, not to mention the medical costs that are the result of an accident. But back to the question at hand....extended warranties, or phone insurance in this case, are indeed high margin services which is why even walmart has begun bugging you every time you check out.

$125.00!!!!
Wait a sec. When did it go from $50.00 to $125.00?? Where was i for that?
As for weather you get a referbed or new. When i was replacing my backflip i told them i was tired of dealing with crap and i wanted a new phone sent not a referbed. they sent a new one no problems.

MagillaGorillaX said:
Wait a sec. When did it go from $50.00 to $125.00?? Where was i for that?
As for weather you get a referbed or new. When i was replacing my backflip i told them i was tired of dealing with crap and i wanted a new phone sent not a referbed. they sent a new one no problems.
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Click to collapse
The captivate has always been a tier 2 phone so the.deductible is $125. Tier 2 used to be 200 then dropped to 150. As for the comment about the older the phone gets the cheaper the deductible is and I van say on some phones that is not the case. When I was running a blackberry bold 9000 it is still considered a tier2 phone and it is a 3 year old phone and I refused to pay 200, 150 or even 125 for that phone. I waited until my upgrade and got my captivate on launch day.
Hth
Charlie
Sent from my GT-I9000 using Tapatalk

I opted for AT&T insurance instead of Squaretrade because AT&T covers theft. I have Squaretrade on all my kids' electronics (iPods, DSi's) to cover the accidental damage.

Well, I decided to wing it and not sign up for the coverage. I'll just have to keep my fingers crossed. I wound up getting my Cappy w/ 2 yr agreement for $59.99 (price match!) and can't see paying even the 3% per month of what the std $149 2yr agreement price was (plus then the $125 for a claim).
I do worry about theft, but I'm so strict about letting this thing out of my sight, I'm not too worried about it.

verizon tbolt replacement

so i decided to go ice skating with my tbolt in my pocket cause i was gonna take videos of my sister falling down. i left the evo and my work bb in the locker cause i wouldnt need three phones.
well wouldnt you know, i was the first to fall and shattered the tbolt screen near the bottom. basically on screen keyboard down.
anyway, since i just got on verizon service less than two weeks ago i go to their store for help. they cant replace it and require me to call asurion. so i do and fill out their online forms. turns out ill have my phone tomorrow. they are also shipping a new memory card, battery, and home charger! i just need to swap my sim over and i should be good to go.
oh..it was only $99 and the overnight (or two day - you choose) is free.
just wanted to pass that info on.
Sent from my ADR6400L using XDA App

which means that you are paying $7 a month for the asurion insurance through verizon. stinks that you have to pay a deductible, I ran my phone over with my car and Best Buy's protection plan got me a brand new phone with no deductible, although I paid $10 a month for it.

What information exactly are you trying to relay to us?

nerozehl said:
What information exactly are you trying to relay to us?
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working as intended?

nerozehl said:
What information exactly are you trying to relay to us?
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Refer to the original post. He didn't get a picture of his sister falling.

Trevlo said:
which means that you are paying $7 a month for the asurion insurance through verizon. stinks that you have to pay a deductible, I ran my phone over with my car and Best Buy's protection plan got me a brand new phone with no deductible, although I paid $10 a month for it.
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Click to collapse
I've found their insurance to be crap you have to wait a month for them to ship you a new one and then pay 150 for a phone to use while you wait
Sent from my ADR6400L using XDA App

What is the best insurance for at&t HTC One X

there are many who can offer insurance for the at&t One X ........I am wondering who provides the best insurance to cover the device ? ? ?

It depends where you get your phone from. That's why I'm getting mines from Best Buy. $9.99 per month and covers everything except lost or stolen without a deductible and as many claims as you like. My wife dropped her gs2 and it was replaced 2 days later.
I used ensquared for my other phones. $65 or $75 for one year and covers everything and up to 3 claims per year with a $75 deductible for the first one and $25 after that
Sent from my SAMSUNG-SGH-I717 using Tapatalk 2

AT&T gave me complete coverage for $6.99 a month because Im a premier member... it covers accidental damage, water damage, lost, stolen, and what sounds like deliberate damage.
Deductible is $200 though.

Red5 said:
AT&T gave me complete coverage for $6.99 a month because Im a premier member... it covers accidental damage, water damage, lost, stolen, and what sounds like deliberate damage.
Deductible is $200 though.
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I think best buy is $10 a month, no deductible but doesn't cover lost/theft. I pay $15 for my iPhones and I recall the other phones being less.
Plus they don't mind deliberate damage

dmbrown81 said:
It depends where you get your phone from. That's why I'm getting mines from Best Buy. $9.99 per month and covers everything except lost or stolen without a deductible and as many claims as you like. My wife dropped her gs2 and it was replaced 2 days later.
I used ensquared for my other phones. $65 or $75 for one year and covers everything and up to 3 claims per year with a $75 deductible for the first one and $25 after that
Sent from my SAMSUNG-SGH-I717 using Tapatalk 2
Click to expand...
Click to collapse
Ensquared's deductible is $75 plus an ADDITIONAL $25 for second and third claims... so that'd be 100 bucks a pop if you had to replace your phone more than once. At least, that's what it is currently on their website... don't know if you were perhaps grandfathered in under older, more generous terms.
$75 deductible fee per claim
All 2nd and 3rd claims carry a $25 additional deductible for admin charges.
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Click to collapse
I only know this because I was checking them out earlier today! Just curious, has anybody actually had to file a claim (or multiple claims) with ensquared? It seems like a pretty good deal, but I am extremely weary of any insurance/warranty type service - it's been my (limited) experience that they try to squirm out of their contractual obligations. As they say: once bitten, twice shy.

I use the Best Buy protection.
- $9.99
- No deductible
- Doesn't cover loss or theft, but you can run it over with a car, and they'll replace it no questions asked.

I'm gonna get a warranty from these guys: http://www.squaretrade.com
2 years comes out to about $5/month and the deductible is only $99
I like my phones to be naked, never broke my nexus one, but you never know...
Sent from my HTC One X using xda premium

So even if I get phone through Att I can get insurance through someone else?
Sent from my HTC PH39100 using xda premium

joshua54 said:
So even if I get phone through Att I can get insurance through someone else?
Sent from my HTC PH39100 using xda premium
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Of course.
The reason I'm getting it from AT&T is the turn around time for getting a replacement is usually quicker.

zonk7ate9 said:
I'm gonna get a warranty from these guys: http://www.squaretrade.com
2 years comes out to about $5/month and the deductible is only $99
I like my phones to be naked, never broke my nexus one, but you never know...
Sent from my HTC One X using xda premium
Click to expand...
Click to collapse
FWIW, SquareTrade has a pretty good reputation, however there are some caveats ... for example, it's another 30 bucks for loss and theft coverage, which is included with the $99 2 year Ensquared coverage. SquareTrade's warranty is also only good for 1 claim with a $599 limit(I think), where as Ensquared covers up to 3 claims with a per claim limit of $1000.
Ensquared sounds like a really good deal with the included loss and theft coverage, plus up to 3 claims. But you know what they say about things that sound too good to be true...

I'll never get insurance for the device unless I can't get a warranty.
I'm pretty careful with my electronics so accidental damage has never been an issue.
And I have AT&T/HTC if anything goes wrong with it for a year.

I got some GWG Wireless Protection plan. $80 flat for two years (25 months actually) and $50 deductible on the claim.
http://stars.wirelessprotectionprogram.com/tc/WPPParrot2YTCsAllStates.pdf
It's pretty sweet because now that it's paid for, I already count the money as spent, there's no monthly fee I'm stuck with. $80/25 = $3.20/mo. so it's better than any other insurance plan I've ever had on a phone. Claims can be filled out online I believe or I can just go into the store and they'll help me.

I recently discovered that, if I automatically pay my cell phone bill with my Wells Fargo credit card, they automatically enroll me in their cell phone insurance program. The coverage is up to $600 and only has a $25 deductible! You might check and see if your bank/credit card company has something similar!
Billy

Third-party insurance
gunnyman said:
So even if I get phone through Att I can get insurance through someone else?​
Of course.
The reason I'm getting it from AT&T is the turn around time for getting a replacement is usually quicker.
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Woah, hold on there.
You could get third-party insurance, such as SquareTrade or Ensquared. But you would NOT be able to get insurance from Best Buy if you bought the phone at an AT&T store.
(Of course, Best Buy also sells AT&T contract phones, and if you bought it there, you COULD get Best Buy insurance).
My question is this; if I buy a phone with contract from Best Buy, or Amazon Wireless, can I sign up for insurance from AT&T?

Yes. I added insurance on a phone I bought from Amazon on contract.

dmbrown81 said:
It depends where you get your phone from. That's why I'm getting mines from Best Buy. $9.99 per month and covers everything except lost or stolen without a deductible and as many claims as you like. My wife dropped her gs2 and it was replaced 2 days later.
I used ensquared for my other phones. $65 or $75 for one year and covers everything and up to 3 claims per year with a $75 deductible for the first one and $25 after that
Sent from my SAMSUNG-SGH-I717 using Tapatalk 2
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I went best buy. I paid the 2 years up front instead of monthly. Like $160 for 2 years. Unlimited claims. No deductible. I'll never lose my phone. I grab it before my wallet.
Sent from my HTC One X using xda premium

I have a friend that has nothing but good luck with Ensquared. Here's the story.
My friend bought an unlocked Galaxy S, and had it insured with Ensquared. A couple weeks after she buys the phone, the mic stops working. She gives them a call and complain, and they told her they will send her out a replacement phone BUT it won't be a Galaxy S, free of charge.
She waits a couple days, and they sent a Brand new LG Thrive (3D) phone and told her to go ahead and keep her old Galaxy S.
My friend then goes out and buy an unlocked Samsung Infuse, insured with Ensquared. The speaker doesn't work as it should. They then send out an BRAND NEW (unlocked) Galaxy S II, back when they were just released last year. It was worth at least $500 back then. They tell her to keep the Infuse, and again refused to charge her for the replacement.

Corporate Discount?
Slightly off-topic, but my company has a corporate deal with ATT, which gets me a % off my bill each month. But I also found out when buying the HOX that with my corporate discount, I can actually buy any phone off-contract at 50% off retail, which means the HOX would be $300 out of contract. I had no idea this was part of our discount and would have never known unless I asked since not ATT nor my company would ever volunteer the info. Anyway, if you have a company discount, check into what it gets you. For me, this makes going w/o insurance a lot easier.

Bought mine at best buy. There insurance is 10 a month with no deductible. If I'm not mistaken att was 8 a month with 100 deductible.
Sent from my HTC One X using Tapatalk 2

moehagene said:
If I'm not mistaken att was 8 a month with 100 deductible.
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Deductible for the One X on AT&T's insurance is $199.

Assurion Insurance for SIII

I was wondering what would your opinion be on this for the SIII, its my first time with a contract, before i just traded phones, but i bought insurance just incase something happens and the duductible isnt all that bad! just wondering if they are a good company all together and worth it for my S3 incase it breaks!

Yes well worth it
Sent from my SCH-I535 using xda premium

Might as well get it if phone is brand new
Sent from that young galaxy.
God bless the American people.

For me I personally do not believe in the whole insurance/warranty services. Examples being Asurion (Insurance) and SquareTrade (Warranty). Also to me carrier warranties are also bull.
Asurion $7/month $99 Deductible
Covers damage/lost device
SquareTrade $7/month ($125 2 years) $99 Deductible
Only covers repairs not lost device.
Manufacturers Warranty
12 Months FREE covers any manufacturers defects
For me why would I pay $125-175 + $99 if anything happens to my phone. So I am looking at $2-300 dollars if anything breaks or I lose my device. For that price I will take the risk. If my screen breaks I will use $50 to replace myself or pay a shop $80 or a $99 deductible. Mechanical problems with antennae/physical buttons I will pay a shop $120 to fix it or a $99 deductible. Did I lose my phone on the beach? Guess I will have to buy a generation behind, and get a used device on craigslist for $2-300 or a $99 Deductible.
Either way you are paying 2 years of insurance, and a deductible. You are better off just saving your money, and buying a decent slim case like a UAG. Unless you plan on regularly losing your device, and running it over repeatedly (to which I would assume they limit) then do not fall for the scam of insurance for your cell phone.
The way I see it if it does not fail within the first year the manufacturer made it just fine, and with normal use my phone will last me just fine. I would rather keep my $300 on hand in worst case scenario than give my money to another company.

Yeah if you're a pro that works for the usually rookie to android's world it wouldn't. Not everyone can do it all like you and I. That's why I recommend coverage . I've already replaced mine three times and haven't spent a penny... If you brick it on purpose they won't charge you anything... Just saying
Sent from my SCH-I535 using xda premium

2 replacements a year
i believe assurion limits you to 2 replacements in a 12 month period...

I go with best buy and never had a problem . Yes I know I'm paying 10 bucks a month, but to me that's better than paying some shaddy phone repair shop. I already have used them one time since I got the phone because I some how bent one of the usb pens. The repair process was fast and easy only had to drop the phone off and pick it up .

daavy said:
i believe assurion limits you to 2 replacements in a 12 month period...
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Click to collapse
Asurion limits you to 2 replacements for physical damage/theft/lost although you can get unlimited warranty replacements. IMO it's worth it for the warranty portion alone. If you're not worried about losing it or physically damaging it, just pay the $1.99 per month for the extended warranty. If something goes wrong with your phone after 12 months you're SOL whereas if you at least have the $1.99 you can get a cert-replacement.
I usually tell people to use either insurance or extended warranty for 20 months, after that you can drop it off your plan since at that point you'll be eligible for renewal.

I hard bricked my phone. Told asurion it was lost. Paid $99. Not rooting the replacement. If you play with ROMS it's worth the money.
Sent from my SCH-I535 using xda premium

If you're messing around with your phone a lot and somewhat of butterfingers like me , get insurance!
I cover all my electronics with SquareTrade; reliable and cheaper.

Personally I have signed up for the insurance, and have gotten good use of it as well. Yes, you can find a used on on CL or ebay, but you dont know the condition of it.
Plus they overnight you a new phone as soon as you make the claim, and are not tied to finding the best "deal" in short notice. Once you are out of contract and IF you keep your phone (dont upgrade right away), I might consider getting rid of the coverage.

How about the replacement phones? what are the chances of getting a new device? and chances of choosing a different device? and customer service

I had my phone a month. It was rooted with another rom in it. I got drunk at my birthday party and had the phone in my swimming trunks pocket all day. I forgot it was there and I jumped in my pool that evening. After about 5-10 min I realized what I'd done. I used rice to help dry it out over a couple days. It would power up but the screen would not come up. I was able to Odin it back to stock and sent it in to Assurion. No questions asked what so ever on the replacement.

djteotancolis said:
How about the replacement phones? what are the chances of getting a new device? and chances of choosing a different device? and customer service
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Click to collapse
I had to file a claim this past November and was sent a new in box S3! I doubt that is typical though.

My kid did a number on my wifes phone the casing was cracked all the way around, took about 5 minutes online at 7pm last Friday night, by 1245pm the next day, Saturday. Brand new phone, SIM, and battery. It was well worth it.

djteotancolis said:
I was wondering what would your opinion be on this for the SIII, its my first time with a contract, before i just traded phones, but i bought insurance just incase something happens and the duductible isnt all that bad! just wondering if they are a good company all together and worth it for my S3 incase it breaks!
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Click to collapse
Assurion sucks!! Takes 3 days to arrive, ALWAYS REFURBISHED! Covers everything but cheaper alternatives exist. If your not prone to losing your phone, get a zagg, otter box and don't waste your 7 bucks a month PLUS 130 dollar deductible.
Sent from a Shaftamle Galaxy S3
Hit the "Thanks" button if I helped you!!
---------- Post added at 08:15 PM ---------- Previous post was at 08:13 PM ----------
djteotancolis said:
How about the replacement phones? what are the chances of getting a new device? and chances of choosing a different device? and customer service
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Click to collapse
Zero chance of getting a new device and not a chance of picking a new one. I used to work for them.
Sent from a Shaftamle Galaxy S3
Hit the "Thanks" button if I helped you!!

Asurion is absolutely amazing. Their customer service is great and they're fast, easy, and helpful. I was visiting my friend who goes to a different college a few hours away and i lost my phone at some party. i waited a couple days in case it was found....which it wasnt. I called up Asurion and told them everything that happened, I filed for a claim and the next morning they said they would be able to send out a new phone and all I had to pay was the deductible. I got the phone within 48 hours, so I DEFINITELY recommend Asurion, they literally cover ANTYHING, whether it's water damage, broken, or even if you lost it.
and i know many people are thinking that they could just CLAIM that it's lost and get a new one by paying just the deductible. noooo that is not possible (at least i dont think...), because you have to provide your imei number, so they can block it from being used

I've had nothing but good experiences. I have 5 lines and have used them for insurance for at least 5 years. I've had to make at least 2 claims a year (well I've never had to but for the other 4 lines) and I've always had great customer support, overnight delivery and a new phone. The only time I've had a "problem" is when they didn't have a Inc2 in stock and they sent my wife a DROID RAZR.
Sent from my SCH-I535 using Tapatalk 2

I had a bad experience with them just a couple months ago and posted a thread about it here you could search for. They basically said it would be a week or two before they could send me ANY replacement at all - they gave me zero options to choose from after telling me they were out of the S3. After a few calls and couple hours of threatening them, they finally offered to reimburse me if I went out and bought a brand new one. Decent result, but really had to fight for it and took a lot of hassle (and I definitely started off politely asking for any options aside simply waiting for a couple weeks without a phone).

Key word: Refurbished.
Sent from a Shaftamle Galaxy S3
Please hit the "Thanks" button if I helped you!

Canadian Phone Insurance, What's Everyone Using?

So, I'm liking this phone. So much so I don't want to be without it. Im given a couple options for insurance, and im wondering what people have gone with. I myself have 2 Options:
FutureShop Product Exchange Plan:
Pros - Unlimited Exchanges
- I work at FutureShop, So no BSing around.
Cons- Doesn't Cover Accidental, Lost or Stolen
Price: 200-250$, 0$ deductable
Ensquared Insurance
Pros - Cheap as Hell
- All Phones replaced Fast, and From what I understand, most are new
- Covers Lost, Stolen, Accidental
Price 99$, 99$ deductable.
So really it comes down to if I think Ill break it, or whatever.

Ensquared looks like the no brainer decision to me. For a total of $200 you pay for the insurance & a deductible. The 1st option looks more expensive for the insurance even if you don't file a claim.

ronj1986 said:
Ensquared looks like the no brainer decision to me. For a total of $200 you pay for the insurance & a deductible. The 1st option looks more expensive for the insurance even if you don't file a claim.
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Click to collapse
Yea, I know. However, FutureShop has over the counter, Brand New in Box EVERYTIME Phones. I'm just stuck and dont want to buy both, cause that would be overkill.

I went with Fido Device protection plan. They use Asurion, as do Bell, telus, and rogers. I just had to go through a claim with them. While the customer reps sound nice and all. The waiting time for a replacement was huge even though they mentioned next day replacements. I had to pay 10$ on my monthly plan plus 120$ deductible. My phone finally shipped after a week, will receive it on coming tuesday due to holidays in between. Really hope it's not a refurb or faulty phone.

5hr3wd said:
I went with Fido Device protection plan. They use Asurion, as do Bell, telus, and rogers. I just had to go through a claim with them. While the customer reps sound nice and all. The waiting time for a replacement was huge even though they mentioned next day replacements. I had to pay 10$ on my monthly plan plus 120$ deductible. My phone finally shipped after a week, will receive it on coming tuesday due to holidays in between. Really hope it's not a refurb or faulty phone.
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I think ill pass on ASS-urion, haven't heard any positive things come from their neck of the woods. Also, its hella expensive :S

QuickSkope said:
I think ill pass on ASS-urion, haven't heard any positive things come from their neck of the woods. Also, its hella expensive :S
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Interesting, I went with the Telus protection. 8 bucks a month and $150 deductible and can be used twice a year. Didn't know of any other decent options. Just didn't want to get ****ed like I did when I smashed the screen on my imported S3.
Sent from my SGH-I337M using xda premium

QuickSkope said:
So, I'm liking this phone. So much so I don't want to be without it. Im given a couple options for insurance, and im wondering what people have gone with. I myself have 2 Options:
FutureShop Product Exchange Plan:
Pros - Unlimited Exchanges
- I work at FutureShop, So no BSing around.
Cons- Doesn't Cover Accidental, Lost or Stolen
Price: 200-250$, 0$ deductable
Ensquared Insurance
Pros - Cheap as Hell
- All Phones replaced Fast, and From what I understand, most are new
- Covers Lost, Stolen, Accidental
Price 99$, 99$ deductable.
So really it comes down to if I think Ill break it, or whatever.
Click to expand...
Click to collapse
If you havent purchased the phone already, purchase it from a Wirelesswave or T-Booth store in the malls, its $100 and covers you for 2 years, it doesnt cover any of the accidentals, but if you never have to use the warranty you get all of your money back at the end of your 2nd year.