ASURION Appliance Protection Plan Review: Conditional 7.8/10
A Reddit user u/kd huth x didn’t mince words: “We have made three claims and they were paid immediately. It’s been totally worth it to us.” The ASURION Appliance Protection Plan earns a conditional 7.8/10, delivering fast approvals and broad coverage for many, but frustrating others with denials tied to fine print and overlapping manufacturer warranties.
Quick Verdict: Conditional
| Pros | Cons |
|---|---|
| Broad appliance coverage under one plan | Claims denied for installation or “wear and tear” issues |
| Fast claim processing—often minutes | Overlap with manufacturer warranty reduces real coverage period |
| Includes food loss reimbursement | Replacement products may differ in brand/model |
| No receipts or pre-registration required | $99 service fee per claim |
| Coverage for power surges from day one | Limited reimbursement for laundry services |
| Flexible cancellation policy | Special parts can cause repair delays |
Claims vs Reality
ASURION markets “hassle-free coverage” with unlimited claims and no needs for receipts. On paper, this sounds like blanket protection for refrigerators, washers, ovens, and more, regardless of purchase location. Quora contributor Clayton S. Johnson pointed out that “filing a claim was incredibly easy — I just went online, filled out a quick form, and within a day, a technician was scheduled.”
However, digging into Reddit, frustration surfaces. One user’s built-in microwave claim was denied because the unit was “not properly installed,” even though it had been unplugged for safety after the glass cracked. The denial stemmed directly from following ASURION’s own claim submission photo instructions. They vented: “Following the instructions… voids your claim with no ability to appeal.”
The company promises coverage for mechanical/electrical breakdowns and defects, yet some policies don’t stretch beyond manufacturer terms. Reddit user u/kj to njm noted: “I’ve had a laptop… and when I called they had no record of my plan even though I could see it on my account,” hinting at occasional administrative mismatches undermining the “easy claims” promise.
Cross-Platform Consensus
Universally Praised: Customers across Trustpilot and Twitter consistently highlight speed of service. A verified Trustpilot review from David reads: “Filing a claim took just a few minutes online… my replacement device arrived the very next day.” This kind of turnaround has big implications for households dependent on a broken appliance. For a family with a dead refrigerator, power surge coverage from day one means those groceries aren’t spoiled for long—$250 in food loss reimbursement cushions the blow.
Parents with accident-prone children sing its praises too. Twitter user Jason shared: “I have 5 kids… Asurion was quick to handle,” underscoring the value when devices take constant abuse. The ability to cover future purchases without separate registrations resonates strongly with high-turnover households.
Common Complaints: The most consistent gripe revolves around denied claims for exclusions hidden in terms. The Reddit microwave case isn’t alone—Amazon reviewers for the 5-year major appliance plan recount service refusals over alleged insect infestations or cosmetic damage, even when they believed the problem was clearly mechanical.
Overlap with manufacturer warranties is another pain point. As one Reddit commenter warned, “If you purchase a two-year warranty from Asurion you are only getting one year of coverage, right?” Those expecting protection immediately after purchase sometimes discover it doesn’t kick in beyond what’s already covered by the manufacturer.
Divisive Features: The $99 service fee per approved claim earns both acceptance and irritation. Many, like Trustpilot’s Johnathan, find it “a very nominal fee” given replacement costs; others feel it undermines the promise of “no additional costs” on repairs. Replacement products being refurbished or of a different brand/model draws mixed reactions—some accept a functional equivalent, while critics on Trustpilot complain, “I gave up a $900 phone for a $60 phone for a replacement.”
Trust & Reliability
While ASURION enjoys high ratings (4.7/5 from 39,000+ reviews on ConsumerAffairs), Reddit threads caution that “these ‘insurance’ plans are very rarely worth it” if terms aren’t read carefully. The microwave denial based on installation status sparked claims of “scam and fraud.”
Long-term users, however, counter with years of smooth experiences. Quora’s Clayton Johnson reports multiple successful repairs with no out-of-pocket beyond the plan fee. Some Trustpilot reviewers emphasize ASURION’s commitment to solving problems when manufacturer support fails, even issuing full refunds in such cases. Tabitha, from Trustpilot, recounted how ASURION refunded her for a defective toy car despite an active manufacturer warranty that was unreachable.
Alternatives
Several alternatives emerged in user discussions:
- SquareTrade: Requires individual plans per appliance, which can be costly for households with multiple devices. Clayton Johnson notes it “focuses mainly on repairs after breakdowns,” lacking ASURION’s preventative maintenance.
- American Home Shield: Broader home warranty covering plumbing, electrical, HVAC, plus appliances. More expensive, with per-claim service fees that can make small fixes costly.
- Home Depot / Lowe’s Plans: Limited to store-purchased items with fixed terms; lacks ASURION’s coverage for appliances bought anywhere and ongoing renewal benefits.
For users with complex home systems, a full home warranty like AHS may make sense. For appliance-focused protection across multiple brands and purchase locations, ASURION’s plan retains a convenience edge.
Price & Value
At $34.99/month plus a $99 service fee per claim, ASURION Appliance+ positions itself as “just over $1/day” protection. For high-value kitchen or laundry units, one repair can offset years of fees—especially when parts alone approach the appliance’s purchase price. However, for inexpensive or rarely-used appliances, cost-effectiveness wanes.
Community tips stress making claims promptly after breakdowns and maximizing bundled protection. As Reddit user u/l51 bqlv shared: “Extensive experience… their warranty service was amazing,” suggesting heavy users of covered appliances see the greatest value.
FAQ
Q: Does ASURION Appliance+ cover food loss?
A: Yes. For refrigerators or freezers, it reimburses up to $250 per approved claim, helping offset spoilage expenses during breakdowns.
Q: Are repairs free beyond the monthly fee?
A: No. Each approved claim incurs a $99 service fee plus tax, though parts, labor, and shipping are included once the fee is paid.
Q: Can I enroll appliances purchased years ago?
A: Yes, as long as they’re under 20 years old, in working condition, and fit the coverage list. Coverage begins day 31 for breakdowns.
Q: Does coverage start immediately?
A: Troubleshooting benefits start on day one, but mechanical/electrical breakdown coverage starts day 31 to avoid preexisting condition claims.
Q: Will replacements match my original product exactly?
A: Not necessarily. ASURION may replace with new, refurbished, or remanufactured units of equivalent value, which can differ in brand, model, or features.
Final Verdict: Buy if you want multi-appliance coverage, fast claim approvals, and relief from costly kitchen/laundry repairs, especially in households with high usage and wear. Avoid if you expect identical replacements or have appliances still fully covered by manufacturer warranties. Pro tip from Reddit: document appliance condition at purchase and save confirmation emails—clear evidence can make or break a claim.
