ASURION Appliance Protection Plan Review: Conditional (6.4/10)
“This has to be a scam, worst protection plan you could go with.” That single Amazon review captures the emotional temperature of the debate around ASURION Appliance Protection Plan—because for every buyer calling it “a good assurance,” there’s someone describing weeks without a working appliance. Verdict: Conditional — 6.4/10.
Quick Verdict
ASURION Appliance Protection Plan is Conditional: it can pay off for people who want a straightforward path to reimbursement or repairs after mechanical/electrical breakdowns, but it’s also dogged by reports of denial, delays, and “run around” experiences—especially when claims hinge on interpretation (installation, wear/tear, “normal use”) or when service logistics drag out.
Digging deeper into the feedback, the strongest praise clusters around speed when things go smoothly (refunds, gift cards, quick replacement pathways). The harshest criticism centers on drawn-out approvals, uneven contractor scheduling, and customers feeling the plan “won’t honor” benefits they believed were included.
A recurring pattern emerged: expectations management is everything. People who treat the plan like a safety net for certain breakdown scenarios describe relief; people who assume broad, no-questions coverage often feel blindsided.
| What matters | Pros (from users) | Cons (from users) |
|---|---|---|
| Claims experience | Some describe quick reimbursements | Others report “denying and delaying” |
| Resolution speed | Refunds/gift cards can arrive fast | Repairs can mean weeks without appliances |
| Coverage clarity | Some cite mechanical/electrical breakdown | Others feel terms are “nebulous” |
| Service logistics | Local tech scheduling exists | Limited service routes cause long waits |
| Value perception | Worth it for repeated successful claims | “Waste of money” for denied/slow claims |
Claims vs Reality
Claim 1: “Easy claims process… most claims approved within minutes.” (Amazon/Asurion marketing language)
On the reality side, a subset of users echoes that fast-lane experience—especially when the outcome is a refund or gift card rather than a complex repair. Reddit user u/ls8rc4v said: “when it stopped working just over a year later they refunded me the entire amount on my amazon gift card balance.” Reddit user u/ksae2vb described a similar flow: “they could just refund me and i keep the rent i got my money back after sending some pics.”
But digging deeper into user reports, speed isn’t consistent. Reddit user u/lfn673q alleged: “after two hours on a chat… the company has a clear agenda of denying and delaying to avoid coverage.” Another friction point: Reddit user u/kjtonjm claimed, “they had no record of my plan even though i could see it on my account,” which undermines the promise of a frictionless process.
Claim 2: “You pay nothing for repairs—parts, labor, shipping included.” (Amazon listing language for certain plans)
The customer story gets complicated when plan types and fees differ across products and programs. Asurion’s Appliance+ materials describe a $99 service fee per approved claim, and coverage that begins after an initial period for breakdowns. That mismatch can create whiplash if a buyer expects “nothing” and later encounters service fees or waiting windows.
And even when customers accept service logistics, delays can dominate the experience. A verified buyer on Amazon noted: “I have gotten the run around… been without a functioning washing machine for almost three weeks… extremely long and unreasonable internal approval process.” Another Amazon reviewer summarized the practical impact: “prepare to be without your appliance for a minimum of three weeks and maybe longer.”
Claim 3: “Coverage… mechanical/electrical malfunctions… normal wear and tear.” (Asurion/plan descriptions)
While marketing emphasizes breakdown protection, users describe claims turning on interpretation—especially around cause, installation, or use conditions. Reddit user (thread author on appliance issue) said their built-in microwave claim was denied because it was not “properly installed,” adding: “literally by submitting my claim as instructed they are using that as the basis to deny my claim.”
That’s a classic “claims vs reality” gap: while officially positioned as breakdown coverage, multiple users describe eligibility debates that feel adversarial. Reddit user u/k5epn5y argued these plans “very rarely worth it… commonly deny coverage due to nebulous terms like ‘wear and tear’, ‘damage’ or ‘abuse’.”
Cross-Platform Consensus
Universally Praised
The most consistent praise is about relief when the process lands in the buyer’s favor—especially for people who want a simple path to reimbursement rather than negotiating repairs. For budget-minded shoppers, that “money-back, move on” outcome can feel like the plan did its job. Reddit user u/ls8rc4v said: “they refunded me the entire amount,” and Reddit user u/ksae2vb described getting “my money back after sending some pics.”
Another recurring positive: some customers see the plan as a practical hedge for higher-risk households—especially families with kids, where breakage odds feel inevitable. That’s less about appliances specifically and more about the broader Asurion ecosystem, but it affects why people buy protection in the first place. A Reddit commenter explained: “having multiple school aged kids has changed my opinion… i have them on every one of their phones and tablets,” adding, “there isn't enough allowance… to cover the amount of damage.”
There’s also a subset of customers who simply like the idea of a centralized provider. In ConsumerAffairs-style feedback about Asurion more broadly, users often celebrate how little effort it took to file. One reviewer wrote: “effortless way to file a claim… no jumping through hoops.” Another framed the interface itself as the hero: “i have never… been guided… to file a claim with such ease.”
- Patterns behind positive stories: refunds/gift cards, low-friction claim submission, and “worth it” sentiment when the claim outcome is decisive.
- Who benefits most: shoppers who prioritize convenience over perfect predictability, and households expecting to file claims.
Common Complaints
The loudest negative theme is time: not just “slow,” but life-disrupting slow when the broken item is a refrigerator, washer, or dishwasher. A verified buyer on Amazon wrote: “been without a functioning washing machine for almost three weeks,” blaming an “extremely long and unreasonable internal approval process.” Another Amazon reviewer described a refrigerator timeline that spiraled: “here we are 7 weeks later we still do not have a working refrigerator.”
Digging deeper, the complaints aren’t just about waiting—they’re about feeling stranded inside a vendor/contractor system. One Amazon review cited a repair center that “only makes trips out our way once a month,” turning a broken appliance into a calendar problem rather than a repair problem. When essentials are involved, that’s the difference between inconvenience and emergency.
Denials and perceived “gotchas” are the other major pain point. Reddit user u/lfn673q alleged “denying and delaying,” while the Appliance+ microwave complaint centered on the logic of denial: “they are saying they can't prove it was properly installed.” Even when other commenters dispute whether that kind of physical damage qualifies, the throughline is distrust: customers who feel rules are applied in ways that don’t match how the plan was sold.
- Most repeated frustrations: delays, claim denials, “run around,” and dependence on third-party scheduling.
- Who gets hit hardest: people relying on a single critical appliance (fridge/washer) and those in areas with limited service coverage.
Divisive Features
“Worth it or not?” depends heavily on what customers think they bought. Some Reddit voices frame it as solid value when claims work. Reddit user u/kdhuthx said: “we have made three claims and they were paid immediately. it's been totally worth it to us.” In those stories, the plan behaves like a financial shock absorber.
On the other hand, skepticism about extended warranties shows up as a philosophical objection: even before any claim, some users believe the economics don’t favor consumers. Reddit user u/k5epn5y called them “very rarely worth it.” That divide is less about a single feature and more about trust in fine print—and whether the buyer expects broad protection or narrowly-defined breakdown coverage.
Even “normal use” becomes divisive. In the Reddit discussion about using indoor cameras outdoors, commenters warned that this could “fall outside of normal use,” reinforcing a larger pattern: users who assume “it broke, it’s covered” may collide with use-case exclusions.
Trust & Reliability
“Scam” language appears repeatedly in the harshest reviews, and it’s not subtle. A verified buyer on Amazon wrote: “this has to be a scam.” Another Amazon reviewer urged: “do not use this company under any circumstance.” On Reddit, an Appliance+ customer titled their post: “Asurion Appliance Plus is a scam and fraud, DO NOT SIGN UP,” tying that belief to a denied claim and failed escalation: “no ability to appeal.”
At the same time, broader review ecosystems present high aggregate ratings and glowing anecdotes about speed and ease—especially for phone-related claims—creating a whiplash effect when you compare averages to appliance-specific horror stories. That contrast matters: it suggests reliability may vary by product category, claim type, and the repair network in a given area, even under the same brand umbrella.
Long-term “months later” durability narratives are thin in the provided data, but one durability-adjacent theme emerges: repeated-claim households that keep paying because prior claims succeeded. Reddit user u/kdhuthx emphasized repeat usage—“three claims”—as the reason it stayed “worth it.”
Alternatives
Only a few alternatives are explicitly mentioned in the data, but they matter because they reflect what frustrated customers switch to.
One Amazon reviewer argued you’re “better stick with the manufacturer directly,” citing Frigidaire’s extended warranty “for about the same price.” That’s an appealing route for buyers who want fewer middlemen and clearer parts/service pipelines, especially for brand-specific appliances.
The Reddit discussion also contrasts individual product plans with subscription-style coverage (like Complete Protect). The insider-style Reddit post frames subscriptions as potentially “more cost-effective than buying individual plans” for heavy Amazon shoppers, but the same thread includes complaints about denial/delay. That means the “alternative” isn’t automatically better—it may simply move the tradeoffs around.
Price & Value
From Amazon listings, pricing varies widely by coverage tier and appliance price band (examples include $27.99 for a lower-price band plan and $99.99 for a higher band plan). Asurion’s Appliance+ subscription materials cite $34.99/month with a $99 service fee per approved claim. Those numbers shape value more than any marketing promise: one paid claim can justify the plan for some buyers, while a single denied or delayed claim can make the entire spend feel wasted.
Community buying logic tends to split into two camps. The pro-plan camp treats it as rational risk management for expensive, failure-prone items. The skeptical camp treats it as stacked odds plus fine print. Reddit user u/k5epn5y summarized that skepticism: “they often don't cover much, and commonly deny coverage.” Meanwhile, repeat-success users point to outcomes rather than theory—Reddit user u/kdhuthx: “three claims… paid immediately.”
No reliable resale-value trend exists here because this is a service plan, not a durable product with secondary-market pricing. The closest “value tip” from community discussions is behavioral: buy coverage when you expect to file, and avoid it when manufacturer/credit card coverage already overlaps.
- Buying tips reflected in user discussions: favor higher-cost items; watch for overlapping manufacturer warranty; read “normal use” boundaries; expect service network constraints in some regions.
FAQ
Q: Is the ASURION Appliance Protection Plan worth it?
A: Conditional. Some users call it “totally worth it” after multiple fast-paid claims—Reddit user u/kdhuthx said: “we have made three claims and they were paid immediately.” Others describe “run around” delays and even “scam” experiences on Amazon reviews, especially for essential appliances.
Q: Are Asurion appliance claims actually fast?
A: Sometimes. Reddit user u/ls8rc4v said they were “refunded… the entire amount,” suggesting a quick resolution path. But Amazon reviewers also report long waits—one wrote they were “without a functioning washing machine for almost three weeks,” citing internal approvals and repair scheduling.
Q: What are the biggest complaints buyers have?
A: Delays and denials. A verified buyer on Amazon complained about “an extremely long and unreasonable internal approval process,” while Reddit user u/lfn673q alleged “denying and delaying.” Another Reddit Appliance+ customer said their claim was denied for not being “properly installed,” which they felt was unfair.
Q: Do people trust Asurion, or do scam concerns come up?
A: Scam concerns come up frequently in negative reviews. A verified buyer on Amazon wrote: “this has to be a scam,” and a Reddit Appliance+ post called it “a scam and fraud.” At the same time, other platforms show many positive experiences with quick claims, creating a split trust picture.
Q: What’s a common alternative mentioned by users?
A: Manufacturer extended warranties. An Amazon reviewer advised: “stick with the manufacturer directly… they offer an extended warranty… for about the same price,” suggesting some buyers prefer brand-direct coverage when appliance downtime is unacceptable.
Final Verdict
Buy if you’re protecting a higher-value appliance and you’re comfortable with the plan behaving like a reimbursement/repair pipeline that can be fast in clean-cut cases—especially if you’ve had success with similar claims. Reddit user u/kdhuthx summed up that happy-path reality: “three claims… paid immediately.”
Avoid if you can’t tolerate downtime or ambiguity—especially for core appliances where a multi-week repair loop would be a household crisis. Amazon reviewers warned they were “without a functioning washing machine for almost three weeks” and even “7 weeks” without a fridge.
Pro tip from the community: go in expecting that “normal use” and claim category definitions can decide outcomes. As one Reddit commenter put it about edge-case usage: “generally using an indoor product outdoors means it falls outside of normal use.”
