ASURION Jewelry Protection Plan Review: Mixed Verdict
Opening with a surprising finding: Despite the ASURION Jewelry Protection Plan boasting coverage for damage and loss of stones “regardless of size or quality,” multiple buyers discovered exclusions that left them uncovered. Based on aggregated feedback, the plan scores 6.8/10—praised for quick payouts by some, yet criticized as “mostly a scam” by others.
Quick Verdict: Conditional
| Pros | Cons |
|---|---|
| Fast claims approval for some customers | Exclusions on loss/theft frustrate buyers |
| No deductibles or extra fees | Poor communication; emails often unanswered |
| Fully transferable within first 30 days | Coverage terms unclear until reading fine print |
| Convenient online or phone claims process | Replacement items may differ from original quality |
| Refund option within 30 days | Long payout delays reported on Reddit |
| Positive experiences with timely e-gift cards | Denials for minor missing parts like earring backs |
| Peace of mind for accident-prone jewelry owners | Accusations of “total scam” from dissatisfied users |
Claims vs Reality
One of ASURION’s strongest marketing claims is “covers damage and loss of stones regardless of size or quality.” While this sounds comprehensive, Reddit threads and Amazon reviews reveal contradictions. A verified buyer on Amazon complained: “was very annoyed to see it states ‘we do not replace stones’… basically I threw away $49–$50 dollars.” This gap between expectation and fine-print exclusions has led to frustration, especially for wedding or anniversary ring owners.
Another claim—“no deductibles or additional fees”—generally holds true for jewelry plans, and some users appreciated this simplicity. Trustpilot reviewer David shared that filing his claim was “fast, easy, and completely stress-free… my replacement device arrived the very next day.” However, others had to fight for refunds or replacements, undermining the “easy claims” narrative.
ASURION also promises an “expert repair experience” with over 27 years of craftsmanship. While some customers praised the quality of repairs, Reddit user reports about electronics coverage paint a different picture for overall company service, with one saying it took “over 6 months to finally get paid out… [customer service reps] are clueless.”
Cross-Platform Consensus
Universally Praised: The speed of successful claims was a standout benefit for certain buyers. Reddit user in the Fitbit community shared: “Less than 24 hours after I opened the claim, I had a gift card to Amazon for the full original purchase price.” For jewelry owners who keep original receipts and respond quickly, this efficiency can be a lifesaver—particularly for gifts, where timing matters.
Another praise point is the absence of deductibles and shipping fees for repairs. A Trustpilot reviewer noted, “Well worth the money and no hassle… agents are really helpful, and always available.” This appeals to busy professionals who don’t want unexpected costs mid-claim. For accident-prone individuals, especially “hard” jewelry users (as one Amazon buyer described his wife), having guaranteed coverage offers peace of mind.
Common Complaints: The most consistent frustration is unclear coverage scope. Several Amazon buyers realized after purchase that loss or theft is excluded. One wrote: “partial coverage… does not cover loss or theft so it turns out to be of no value for my case.” This gap hits hardest for those insuring high-value jewelry worn daily.
Poor communication also emerged as a major pain point. Users on Trustpilot and Amazon reported weeks without email responses. One buyer trying to fix a broken ring stated, “I have emailed them multiple times… without a response.” For customers relying on quick turnaround, this silence undermines trust.
Denials for seemingly minor issues, like missing earring backs, fuel accusations of bad faith. A 1-star Amazon reviewer recounted, “requested they replace 2 backs… they refused stating lost or missing items were not covered! I demanded a refund.” These fine-print exclusions catch many by surprise.
Divisive Features: Transferability and refund policies drew mixed reactions. While ASURION offers a full refund within 30 days, some found out too late about exclusions and missed the cancellation window. Others valued the option, saying it made them more confident in buying. Similarly, the promise of “lifetime” coverage was appreciated by some but criticized when “life” was defined as a fixed term in months.
Trust & Reliability
Trustpilot patterns reveal a split between glowing endorsements and severe scam accusations. Positive reviewers often highlight prompt resolutions—Tabitha recalled ASURION stepping in with a full refund for a defective toy vehicle when the manufacturer failed. However, Reddit’s r/Asurion community features threads warning “never purchase an ASURION protection plan,” citing months-long delays and outright denials.
Long-term durability stories vary. Some jewelry owners kept coverage for years without needing to claim, valuing the safety net. Others, like one Amazon buyer, canceled policies after finding limited coverage for lost or stolen items: “Life = 1188 months… not transferrable after first 90 days.”
Alternatives
In Reddit’s Fitbit discussion, the ASURION plan was compared to Fitbit’s own coverage. Fitbit was praised for “great customer service,” but came at a higher cost ($60 for 2 years vs ASURION’s $34 for 3 years). For users prioritizing service quality over price, Fitbit’s plan may be worth the premium. However, for straightforward accidental damage claims, ASURION’s lower price and longer term appealed to budget-conscious buyers.
Price & Value
Market prices vary by coverage tier. On eBay, a 3-year jewelry plan for $50–$59.99 offers the same “no additional cost” repairs as higher tiers but applies to lower-value items. Financing options exist—ShopAbunda lists the $200–$249.99 tier at $33.99 or $8/month.
Community tips emphasize reading the fine print before purchase. Buyers recommend keeping original purchase emails and order codes, as one Reddit user credited this for a smooth claim process. Resale value for jewelry isn’t directly impacted by the plan, but having coverage may reassure potential buyers if the piece is transferred shortly after purchase.
FAQ
Q: Does ASURION Jewelry Protection Plan cover lost or stolen items?
A: No, multiple buyers confirmed that loss or theft is excluded. Coverage focuses on damage from defects, wear, or accidents.
Q: How quickly does ASURION process claims?
A: Reports vary—some received e-gift cards within 24 hours, while others faced delays over several months.
Q: Can I transfer the plan to another owner?
A: Yes, but only within the first 30 days. After that, transferability is limited.
Q: What documentation should I keep?
A: Keep your original order confirmation and any ASURION emails with claim codes. Users say these speed up the process.
Q: Are repairs done with original parts?
A: For electronics, some users praised factory replacement parts; for jewelry, repairs depend on available materials.
Final Verdict: Buy if you’re an organized owner who can respond quickly to claims and values low-cost coverage for accidental damage. Avoid if you expect protection from loss or theft or need guaranteed identical replacements. Pro tip from community: Always read the full terms before 30 days to ensure coverage matches your expectations.
