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Thread: Phone insurance for iPhone 11

  1. #1
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    Phone insurance for iPhone 11

    Anyone have experience with buying insurance for unlocked Tracfone phones?

    I got a couple of iPhone 11's back in Feb using promo codes. They recently unlocked and I plan to use them with T-Mobile.

    They are ineligible for applecare since it's been more than 60 days. Are there any other good options?

    BTW, I generally don't buy insurance for my phones, these phones are for family members.

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    Quote Originally Posted by PHL1365 View Post
    Anyone have experience with buying insurance for unlocked Tracfone phones?

    I got a couple of iPhone 11's back in Feb using promo codes. They recently unlocked and I plan to use them with T-Mobile.

    They are ineligible for applecare since it's been more than 60 days. Are there any other good options?

    BTW, I generally don't buy insurance for my phones, these phones are for family members.
    see what plans you're eligible for - https://www.tracfone.com/handset-protection

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    Quote Originally Posted by PHL1365 View Post
    Anyone have experience with buying insurance for unlocked Tracfone phones?

    I got a couple of iPhone 11's back in Feb using promo codes. They recently unlocked and I plan to use them with T-Mobile.

    They are ineligible for applecare since it's been more than 60 days. Are there any other good options?

    BTW, I generally don't buy insurance for my phones, these phones are for family members.
    It's not smart money to pay insurance premiums for something that cost maybe $250. By the time you shell out the co-pay on a covered repair, you're probably close to being under water. Put what you would have spent each month for premiums in a "repair/replacement" cookie jar instead-- and be more careful with your phone ;-)

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    It makes the phone a little bulkier, but buy an Otterbox Defender and a good tempered glass screen prorector. Thats what I use for insurance. I've dropped my XR a few times and it hasn't broken yet.

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    T-Mobile postpaid (and once in a while prepaid) has "open enrollment" every so often where you can add handset protection/insurance without it being within its typical eligibility period. The monthly cost and deductible are high these days, so I opt for AppleCare+ if eligible otherwise I just self-insure and plan on replacing it myself if anything happens to it.
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    Quote Originally Posted by october262 View Post
    see what plans you're eligible for - https://www.tracfone.com/handset-protection
    Thanks. It's saying I'm not eligible, and that's BEFORE I let the phone number go inactive. I don't think this will be an option.

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    Quote Originally Posted by ChasHam View Post
    It's not smart money to pay insurance premiums for something that cost maybe $250. By the time you shell out the co-pay on a covered repair, you're probably close to being under water. Put what you would have spent each month for premiums in a "repair/replacement" cookie jar instead-- and be more careful with your phone ;-)
    Absolutely agree with you, but the wife somehow has it in her head that she'd prefer to pay for the peace of mind. Even worse, I got these phone for free using promo codes, so there's really no investment to protect. In the last 4 years, we've paid something close to $2000 in premiums to T-Mobile for 3 phones. I think the only claims we've filed have been for some cracked screen protectors, for which we overpaid in the first place .

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    Quote Originally Posted by NanaC View Post
    It makes the phone a little bulkier, but buy an Otterbox Defender and a good tempered glass screen prorector. Thats what I use for insurance. I've dropped my XR a few times and it hasn't broken yet.
    Well said. I dropped my android phone several times in the last month. It's got a cheap TPU case and a cheap tempered glass protector. The screen protector cracked, but the phone came through unscathed.

    BTW, my phone is not insured. It's the iPhone users in my family that seem to have the most issues. Go figure.

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    Quote Originally Posted by PHL1365 View Post
    Well said. I dropped my android phone several times in the last month. It's got a cheap TPU case and a cheap tempered glass protector. The screen protector cracked, but the phone came through unscathed.

    BTW, my phone is not insured. It's the iPhone users in my family that seem to have the most issues. Go figure.
    You'd think as much as iPhones cost they would be a little less fragile.

    I gotta take care of my iPhone XR, still trying to save enough to upgrade to the iPhone 11 before the XR stops getting updates.

    I do have to say though my son ran over his iPhone with a lawn mower tire. Its shattered front and back, but it still works, I'm amazed at that.

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    Quote Originally Posted by PHL1365 View Post
    Absolutely agree with you, but the wife somehow has it in her head that she'd prefer to pay for the peace of mind. Even worse, I got these phone for free using promo codes, so there's really no investment to protect. In the last 4 years, we've paid something close to $2000 in premiums to T-Mobile for 3 phones. I think the only claims we've filed have been for some cracked screen protectors, for which we overpaid in the first place .
    $2000 would have bought you eight new iPhone 11's...

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    Quote Originally Posted by PHL1365 View Post
    ...In the last 4 years, we've paid something close to $2000 in premiums to T-Mobile for 3 phones...
    This can't be right $2,000?
    Suggestion just throw $5 at Visible for a month & see if it works for you. Don't take anyone's word in place of your experience.

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  12. #12
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    Quote Originally Posted by zapjb View Post
    This can't be right $2,000?
    The T-Mo website quotes current phone insurance premiums at $7 to $25 per month per device. Thus the most expensive coverage would be $300 per year per device. So if he was insuring six or seven phones at the max rate, that could have been the cost.

    As I mentioned in an earlier post, for the same two grand, he should have purchased eight iPhone 11's from TF at $250 per.

    If he had stacked all eight on a kitchen shelf and issued mama a new one every time she dropped hers in the toilet, he probably still would have had a few left over at the end of two years to unload on Ebay or Craiglsist recouping most of his dough ;-)

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