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Apple Watch Protection: Is Insurance Worth It?

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In the event you’re a brand new Apple Watch proprietor, you are possible doing all your greatest to not scratch, break or lose the gadget. However as soon as the novelty wears off and also you let your guard down, that miniature iPhone you put on in your wrist can shortly grow to be a sufferer to each object you by accident swing your arm into, leading to all types of injury, reminiscent of a cracked display screen. 

Once you’re already paying between $400 and $800 for an Apple Watch, chances are you’ll be hesitant to pay much more for an prolonged guarantee or insurance coverage. And regardless that your watch comes with a limited one-year warranty, it won’t cover an accidental broken screen. For that form of restore, you may want insurance coverage.

Beneath, we have in contrast the prices of getting your Apple Watch repaired with and with out insurance coverage that will help you resolve which sort of insurance coverage — if any — is greatest for you, from AppleCare and insurance coverage out of your telephone provider like Verizon to an insurer reminiscent of Asurion to even your bank card firm. For extra, this is our tackle the brand new iPhone 15 and the brand new Pixel 8.

Learn extra: Is Your Telephone’s 1-Yr Guarantee Actually Sufficient?

Apple guarantee vs. insurance coverage: What is the distinction?

Apple features a restricted one-year guarantee with every Apple {hardware} product you purchase, and that features the Apple Watch. With as many as 200 million watches bought, in keeping with some estimates, that is plenty of warranties. 

Nonetheless, that free guarantee solely covers “defects in supplies and workmanship.” Here is what’s not lined. 

  • Batteries or protecting coatings.
  • Beauty harm, together with dents and damaged plastic on ports.
  • Harm brought on by accident, abuse, misuse, hearth, earthquake or different exterior causes.
  • Defects brought on by regular put on and tear.
  • Loss or theft.

If you do not have insurance coverage, for these sorts of repairs you are by yourself. In the event you do buy insurance coverage — whether or not by Apple or a third-party insurer — all the above is usually lined to your Apple Watch excluding loss or theft. Yow will discover protection for loss and theft too.

Apple Watch Ultra cellular waypoint

Celso Bulgatti/CNET

Out-of-pocket restore prices with out insurance coverage for an Apple Watch

Apple Watches aren’t low-cost, and neither are the repairs — and restore costs can differ, relying on which mannequin you’ve gotten. As an example, a restore on an Apple Watch Extremely could run you $499, whereas an Apple Watch Sequence 8 restore may price you $299.

In the event you’re questioning about the price of fixing a cracked display screen, for instance, you possibly can get a repair estimate from Apple. You will have to know the precise sort of Apple Watch you’ve gotten, just like the Apple Watch Sequence 9 GPS Aluminum 41mm, for instance. 

Apple Watch restore prices with AppleCare Plus

You possibly can count on to pay a number of hundred {dollars} to restore your Apple Watch with out insurance coverage, however if you are going to buy AppleCare Plus — Apple’s prolonged guarantee and tech assist service that covers unintentional damage– the price goes down considerably. 

Be aware, in most areas and nations you could purchase Apple’s prolonged guarantee inside 60 days of your Apple Watch buy. The acquisition interval can differ from seven days to a yr, depending on where you live, so verify your area’s particular timeframe.

Here is how a lot AppleCare Plus protection prices for every Apple Watch mannequin.

  • Apple Watch Extremely 2: $5 a month
  • Apple Watch Sequence 9: $4 a month, with an choice to pay $79 whole for 2 years
  • Apple Watch SE: $2.49 a month, with an choice to pay $49 whole for 2 years
  • Apple Watch Hermès: $5 a month, with an choice to pay $149 whole for 3 years

With AppleCare Plus, you may additionally pay a $69 or a $79 service payment for a restore, relying on the watch mannequin you’ve gotten. 

  • Apple Watch: $69 
  • Apple Watch Nike: $69
  • Apple Watch Extremely: $79
  • Apple Watch Version: $79
  • Apple Watch Hermès: $79

Apple Watch restore prices with third-party insurance coverage

In case you are in search of one thing past AppleCare, you possibly can take a look at protection by an insurer. Whereas some supply safety such as you’d get with AppleCare Plus, others have broader plans that cowl all of the tech you’ve gotten in your house or condo. 

Only for the watch insurance coverage, Allstate, for instance, affords safety plans by retailers based mostly on the price of the watch that cowl unintentional harm however not loss or theft. In the event you store at Sam’s Membership, for instance, you may get two years of safety for $60 for an Apple Watch that prices lower than $400, with no deductible. 

As an alternative of insurance coverage particularly to your watch, Asurion affords protection to your whole assortment of in-home tech — together with your TV, laptop computer, gaming console, safety cameras and your Apple Watch — known as Dwelling Plus. Costing $12 a month for the primary three months after which $25 every month after, the plan covers restore or substitute (as much as $2,000 per declare) with a $99 service payment. 

Be aware, loss and theft aren’t lined, however your house owner’s or renter’s insurance coverage could cowl that. You can also’t embrace your telephone in there. For that you’re going to need to take a look at Asurion’s telephone insurance coverage, which you may get for $5 a month for the primary three months after which $10 every month after.

apple-watch-series-9-5

Wealthy Peterson/CNET

Apple Watch restore and substitute by telephone provider safety

Your mobile phone provider may additionally supply Apple Watch insurance coverage. Verizon, for instance, has its Cellular Defend plan that goes for $14 to $17 a month and affords free display screen substitute and free watch substitute for manufacturing defects. The plan has $99 deductible for loss or theft. 

AT&T additionally affords watch insurance coverage and allows you to insure one gadget for $14 or $17 a month or bundle as much as 4 gadgets — together with a watch, telephone, laptop computer or pill — for $45 a month as a part of its Defend Benefit. As with Verizon, along with unintentional harm, the plan covers loss and theft.

Do bank cards present insurance coverage?

Some bank card firms supply extra safety and insurance coverage on new purchases made with their card. As an example, some supply safety that insures your new purchases towards harm and theft for as much as 120 days. If one thing occurs inside that point, you possibly can file a declare together with your bank card issuer to get the merchandise changed or reimbursed.

It is a good suggestion to verify together with your bank card issuer to see if they provide safety earlier than you make the acquisition.

Editor’s be aware: CNET and Asurion have an promoting partnership. This story is editorially impartial from that relationship.



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