Hi Robin, Kelly and Anna, First of all, Apple Care Plus definitely does not cover lost or stolen phones. I called them first to ask even though I was pretty sure this was the case. Apple Care Plus will cover repair or replacement of a damaged iPhone even if you yourself caused the damage, e.g. you dropped it and the screen shattered or, as in my case, you fell on it and bend the phone. Apple Care Plus also covers replacement of defective Lightning cables or Earpods and I believe Anna is correct, they'll replace 2 Earpods, Lightning cables or repair/replace the phone twice in the two-year period.
I would be very careful with any credit card insurance and I would certainly not rely on it. I also called Mastercard since while my 6S that I lost was charged to my phone bill, that phone bill is set up to be automatically charged to my Mastercard each month so in essence the phone was paid by Mastercard. I do have various insurances as this is one of their top premium cards, but it appears that they do anything to not pay. First of all, when I called and explained the situation I felt I was treated like a minor criminal, the representative seemed to have made up his mind already that this was not covered and that I was probably just trying to defraud the insurance company. By the way, at least here in Canada the insurance is not through Mastercard directly, you do actually deal with an independent insurance company which provides the insurance. In this case, it is Alliance Global Assistance or something like that and they offer everything from out of country medical, travel cancellation and extended warranty/theft. However, apparently only theft was covered and not accidental loss. This means I should have probably looked up the fine print on the policy, filed a police report that my phone was stolen and then contact them with that claim. Of course for me that does go against the grain because I would technically be lying which I try not to do. My experience with the credit card insurance was therefore as bad as my experience with my home insurance company was good. My cheque for $1,029 is already in the mail, all was done during a single 10 or 15 minute phone call and all I had to submit to them was the invoice for my original phone (the one I lost) and the invoice for the replacement phone I ordered. A new 6S here is $1,029 + $ 123.48 taxes (12%) for a total of $1,152.48. Off that amount comes my $100 deductable which theoretically means the insurance should have paid $1,052.48. However, they apparently only pay a maximum of $1,029 so even after the deductible it covers the full purchase price and all I am left with is the taxes. Since I can buy the phone through my business I can claim one of the two taxes back which is a 5% tax and all I am left with is 7% of the 12% so $72.03. Since I decided to buy a 6S Plus instead of replacing my 6S I of course am paying more, but I'm still very happy that they covered it and if we find my 6S in the spring when the snow is gone I could probably get it replace through Apple Care Plus unless of course it still works. I'll let you all know some time in late March or April. Regards, Sieghard -----Original Message----- From: [email protected] [mailto:[email protected]] On Behalf Of Woody Anna Dresner Sent: Sunday, January 10, 2016 10:46 AM To: [email protected] Subject: Re: Lost iPhone 6S - insurances do sometimes pay Hi Robin, My understanding is that Apple Care gives you free phone support for two years and is meant to cover defects in the productt. It's an extension of the one-year warranty. Apple Care Plus lets you get the phone fixed if you do something that damages it, like drop it or get it wet, but you pay an extra fee when you get it fixed, and you can only get it fixed a limited number of times during the two-year period. If I remember right, it's two times, but I could be wrong about that. Best, Anna > On Jan 10, 2016, at 11:21 AM, Robin <[email protected]> wrote: > > Does AppleCare OR AppleCare+ COVER Loss & Stolen OR Does it simply COVER > HardWare-SoftWare? > > I'm surprised AppleCare OR AppleCare+ doesn't appear to COVER > WaterDamage At 01:13 PM 1/7/2016, you wrote: >> Apple Care does not cover water damage. Sorry about your phone, glad >> you got a replacement with no hassle! >> >> On 1/7/2016 8:41 PM, Sieghard Weitzel wrote: >> > Hi all, >> > >> > >> > >> > So, for those who didn’t read this before, I was visiting my >> > family who own a working cattle ranch in northern British ?Columbia over >> > Christmas. >> > I went for a walk at -28 Celsius on December 22 and after getting >> > to the end of the 1.3 Km long driveway of the ranch I realized my >> > brandnew iPhone 6S was no longer in the chest pocket of my jacket. >> > To make a long story short, I went home and immediately tried >> > “Find my iPhone†using my wife’s iPhone 6 and also tried to >> > call my number. Calls went straight to voice mail and my iPhone >> > showed as offline and I guess it is not too surprising that the >> > phone would have turned itself off in these temperatures. >> > >> > My brother, sister in law and several of my nephews spent hours and >> > hours searching the driveway, snow on the gravel driveway itself >> > was compacted and next to it was maybe 10 inches of snow. We even >> > bought a metal detector and searched certain spots where my tracks >> > indicated I had walked into some deeper snow but after a total of >> > at least 12 or 15 hours of searching over several days the iPhone >> > remained mysteriously lost. There is, by the way, no way somebody >> > may have found it and taken it because the ranch is very remote and >> > nobody else drove along that driveway. >> > >> > I guess there is a small chance my new guide dog who was running >> > around off-leash found it on the ground and thinking it was a toy >> > or something picked it up and after carrying it off a ways may have >> > dropped it. >> > >> > >> > >> > Anyhow, now that the holidays are over, I contacted my insurance >> > broker since I added a small add-on policy to my home insurance >> > which is supposed to cover my iPhone in case of loss or theft which >> > are situations where Apple Care will do nothing for you. I added >> > this policy a few years ago when I travelled to the Philippines >> > quite a bit to visit my then girl-friend and now wife because in >> > countries like this phone theft especially of an iPhone is very >> > common. The policy is I think about $30 a year and has a $100 deductable. >> > >> > I explained the situation to my insurance broker, they called the >> > insurance company and registered a claim, a few hours later I >> > received a call from a very friendly young lady to whom I explained >> > everything again while she was recording it and taking notes. Once >> > that was done she told me right then and there that they would >> > cover replacement cost of up to $1,029 which is the cost of an iPhone 6S >> > 64 Gb here in Canada. >> > >> > I had bought the phone on contract for $480, but the insurance >> > company will cover full replacement cost and she told me I can >> > basically go ahead and order a new phone, submit the invoice once I >> > have it and I will then get a cheque for $1,029 + applicaple taxes >> > and less my $100 deductable. She also said I was free to purchase >> > any iPhone and if I decided to buy a more expensive model I would >> > still get the cheque but of course anything on top of what my 6S cost >> > would be my responsibility. >> > >> > >> > >> > I must say that I was very impressed wit the coverage and the >> > service I received. For once I did not feel like I was treated like >> > a criminal which sometimes seems to be the case when you try to >> > claim something from an insurance company who often will try to do >> > anything so they don’t have to pay. After having had a chance to >> > use my Mom’s iPhone 6S Plus I decided I’d spend the extra $130 >> > and I ordered a 64 Gb space grey iPhone 6S Plus, of course I also >> > had to shell out the cost for a new Apple Care plan so in the end >> > it will cost me $300 or so to replace the lost phone, but still >> > better than nothing. Of course there is a small chance we may find >> > the lost phone in April or so when the snow is gone and since I >> > also have Apple Care for it, I guess I could theoretically get a >> > replacement from Apple since I assume that after 4 months in the >> > snow and going through the melting process my 6S won’t work any >> > more. If it still does work I’ll be sure to contact Apple to tell them >> > how tough their phones are **smile**. >> > >> > Just received a ship notification for my new phone an hour ago, so >> > I should get it some time next week. >> > >> > >> > >> > Best regards, >> > >> > Sieghard >> > >> > >> > >> > -- >> > The following information is important for all members of the V iPhone >> > list. >> > >> > If you have any questions or concerns about the running of this >> > list, or if you feel that a member's post is inappropriate, please >> > contact the owners or moderators directly rather than posting on the list >> > itself. >> > >> > Your V iPhone list moderator is Mark Taylor and your owner is Cara >> > Quinn >> > - you can reach Cara at [email protected] >> > >> > The archives for this list can be searched at: >> > http://www.mail-archive.com/[email protected]/ >> > --- >> > You received this message because you are subscribed to the Google >> > Groups "VIPhone" group. >> > To unsubscribe from this group and stop receiving emails from it, >> > send an email to [email protected] >> > <mailto:[email protected]>. >> > To post to this group, send email to [email protected] >> > <mailto:[email protected]>. >> > Visit this group at https://groups.google.com/group/viphone. >> > For more options, visit https://groups.google.com/d/optout. >> >> -- >> The following information is important for all members of the V iPhone list. >> >> If you have any questions or concerns about the running of this list, or if >> you feel that a member's post is inappropriate, please contact the owners or >> moderators directly rather than posting on the list itself. >> >> Your V iPhone list moderator is Mark Taylor and your owner is Cara >> Quinn - you can reach Cara at [email protected] >> >> The archives for this list can be searched at: >> http://www.mail-archive.com/[email protected]/ >> --- >> You received this message because you are subscribed to the Google Groups >> "VIPhone" group. >> To unsubscribe from this group and stop receiving emails from it, send an >> email to [email protected]. >> To post to this group, send email to [email protected]. >> Visit this group at https://groups.google.com/group/viphone. >> For more options, visit https://groups.google.com/d/optout. > > -- > The following information is important for all members of the V iPhone list. > > If you have any questions or concerns about the running of this list, or if > you feel that a member's post is inappropriate, please contact the owners or > moderators directly rather than posting on the list itself. > > Your V iPhone list moderator is Mark Taylor and your owner is Cara > Quinn - you can reach Cara at [email protected] > > The archives for this list can be searched at: > http://www.mail-archive.com/[email protected]/ > --- You received this message because you are subscribed to the Google Groups > "VIPhone" group. > To unsubscribe from this group and stop receiving emails from it, send an > email to [email protected]. > To post to this group, send email to [email protected]. > Visit this group at https://groups.google.com/group/viphone. > For more options, visit https://groups.google.com/d/optout. -- The following information is important for all members of the V iPhone list. If you have any questions or concerns about the running of this list, or if you feel that a member's post is inappropriate, please contact the owners or moderators directly rather than posting on the list itself. Your V iPhone list moderator is Mark Taylor and your owner is Cara Quinn - you can reach Cara at [email protected] The archives for this list can be searched at: http://www.mail-archive.com/[email protected]/ --- You received this message because you are subscribed to the Google Groups "VIPhone" group. To unsubscribe from this group and stop receiving emails from it, send an email to [email protected]. To post to this group, send email to [email protected]. Visit this group at https://groups.google.com/group/viphone. For more options, visit https://groups.google.com/d/optout. -- The following information is important for all members of the V iPhone list. If you have any questions or concerns about the running of this list, or if you feel that a member's post is inappropriate, please contact the owners or moderators directly rather than posting on the list itself. Your V iPhone list moderator is Mark Taylor and your owner is Cara Quinn - you can reach Cara at [email protected] The archives for this list can be searched at: http://www.mail-archive.com/[email protected]/ --- You received this message because you are subscribed to the Google Groups "VIPhone" group. To unsubscribe from this group and stop receiving emails from it, send an email to [email protected]. To post to this group, send email to [email protected]. Visit this group at https://groups.google.com/group/viphone. For more options, visit https://groups.google.com/d/optout.
