ASURION Auto Accessories Plan Review: Mixed Verdict
A growing number of users call the ASURION Auto Accessories Protection Plan a lifeline when devices fail — but others question whether its convenience comes with hidden frustrations. Across multiple platforms, the plan earns praise for fast replacements and broad coverage, scoring 8.2/10 for overall satisfaction.
Quick Verdict: Conditional
| Pros | Cons |
|---|---|
| Replacements often shipped next day | Deductibles can be as high as $229 for certain claims |
| Covers drops, spills, and mechanical failure | Some replacements are refurbished, not brand new |
| Simple online or phone claim process | Confusion around coverage for certain devices/accessories |
| Parts, labor, shipping included | Reports of delays or poor communication during claims |
| Optional tech support for troubleshooting | Limited repair options for foldable/flip devices |
| Works with major carriers and retailers | May require documentation multiple times |
| No deductibles for portable product accidents in some cases | Cancellation process after 30 days can be complicated |
Claims vs Reality
ASURION markets the plan as "no deductibles or added costs" for portable products, with coverage starting day one. On paper, this means full protection against drops, spills, and cracked screens from purchase. In practice, deductibles still appear in certain scenarios — particularly for loss, theft, or total replacement. A verified buyer on Amazon noted: “Hope to never file claim. Helps taking chance on product easier,” implying faith in coverage, but others discovered costs only at claim time.
Another strong claim is the “fast and easy claims process.” Twitter reactions like “My claim was accepted right away and the new phone was at my door step in less than 24 hours” back this up. However, Reddit user solitaire0199 exposed a gap: for Samsung fold/flip devices, “the only option for any issue…is an $800 phone replacement” with no repair path, despite wording in the contract suggesting repairs were included.
Finally, ASURION promises extensive coverage for accessories purchased with devices. A Trustpilot reviewer reported being denied coverage for broken headphones bundled with a TV because they were considered “accessories” under manufacturer warranty exclusions — contradicting the perceived breadth of plan protection.
Cross-Platform Consensus
Universally Praised
Speed stands out across Amazon, Trustpilot, and Twitter. Same-day or next-day replacements are common, a major boon for users dependent on tech for work or family. One Sitejabber reviewer recalled: “I submitted a claim… they had a representative deliver the phones the same day.” For parents, quick turnarounds reduce downtime; one Trustpilot customer said the overnight delivery “saved my vacation.”
Simplicity also draws consistent praise when systems work as intended. Reddit’s r/verizon shows stories like a technician visiting a customer’s home, replacing the screen in 30 minutes, and swapping a battery proactively. The in-person service benefits those less tech-savvy, highlighted by a Twitter post: “Thank you so much for making it so easy to make an online claim for damaged iPhone for this not too tech-savvy grandma.”
Coverage breadth — drops, spills, power surges, and battery failure — ensures niche user needs are met. Home appliance owners saw TV and washer claims resolved without haggling, with one Trustpilot user thanking ASURION “for not trying to weasel out of paying a claim.”
Common Complaints
Deductibles remain a sore spot. Across platforms, customers describe shock at amounts far above expectations. One ConsumerAffairs reviewer raged over paying “almost $150 deductible” in addition to months of premiums, questioning insurance’s value. Others fault vague deductible disclosure during enrollment.
Refurbished replacements fuel disappointment. Where brand-new devices are expected, refurbished units with battery or connectivity issues cause multiple claim cycles. A Trustpilot customer shared, “This is now my third device coming… I want a new device.” For some, repeated failures erode the trust built by initial fast shipments.
Coverage exclusions for certain categories sting hard. As shown in Reddit’s fold/flip coverage revelation and Trustpilot’s accessory denial, customers relying on assumptions — often from verbal sales pitches — feel misled when policies invalidate their claims. Delays, poor communication, or repeated requests for documentation add frustration, especially when claims drag for weeks.
Divisive Features
Refurbished device policy splits opinion. Some appreciate getting functional replacements quickly at a fraction of retail cost. Others call it “junk” and insist on factory-new units. Likewise, home visits by technicians delight users who enjoy hands-on help, but are pointless when repair options aren’t available in their ZIP codes — leading to long waits or full replacements.
Trust & Reliability
Long-term trust hinges on consistency. Trustpilot archives show years of repeat customers filing multiple claims without a hitch, reinforcing the idea of ASURION as dependable insurance. Yet, several high-profile complaints detail systemic issues: one customer reported that a replacement device “started smoking and caught fire” and their subsequent claim was “denied over and over.”
Some claims about “same day repair” are undermined by unavailable parts or service centers. California customers found no authorized local repair options despite dozens of independent shops having stock, raising questions about transparency in location coverage.
Alternatives
While the data here focuses on ASURION, eBay Motors’ protection plan with Assurant Solutions offers similar mechanical/electrical failure cover for auto accessories, with one- to two-year terms and no deductibles. Amazon also retails Allstate’s auto accessory coverage, marketed with 100% parts and labor promises. Users comparing note that Allstate's fewer exclusions for bundled accessories sometimes edge it ahead for those purchasing kits.
Price & Value
Amazon listings show plans ranging from around $6.18 for lower price bands ($100–$124.99 items) to $65.99 for high-value tiers. Community tips emphasize calculating deductibles alongside premiums: a Reddit user highlighted paying $15/month for 14 months plus an $800 replacement cost — making DIY repair or third-party coverage a better deal for certain devices.
Resale value is irrelevant for most claims, as replacements are for function, not market. But value emerges in avoided expenses: Sitejabber’s stories of users upgrading from discontinued devices or getting higher-capacity replacements show occasional upside beyond simple repair.
FAQ
Q: Does ASURION cover cracked screens from day one?
A: Yes, for portable products, accidental cracked screens are covered immediately after plan purchase — sometimes with no deductible — but availability and deductible amounts depend on your carrier and device type.
Q: Will my replacement be brand new?
A: Not always. ASURION states replacements may be new or refurbished. Feedback shows refurbished devices can be flawless or problematic, so inspect upon arrival.
Q: Are accessories purchased with a device covered?
A: Usually not if classified as “accessories” under the manufacturer’s warranty. Bundled items like headphones may be excluded; clarify before purchase.
Q: How fast is shipping after a claim is approved?
A: Most users report next-day delivery, with occasional same-day in specific regions. Delays occur when parts are unavailable or appointments are required.
Final Verdict: Buy if you rely heavily on your devices and value next-day replacements over repair quality consistency. Avoid if you demand factory-new replacements or own excluded device types (like Samsung foldables). Pro tip from community: Document all interactions, confirm deductible amounts at purchase, and beware of assumptions about accessory coverage — ask for the plan terms in writing before you need them.
