ASURION Luggage Protection Plan Review: Worth It?
Bold claims of “most claims approved within minutes” surround the ASURION Luggage Protection Plan, but digging into thousands of verified reviews paints a more complex picture. With an average score hovering between 4.6 and 4.7 stars, it earns an 8.5/10 in overall satisfaction—praised for speed and convenience, yet occasionally criticized for denial reasons and delays that disrupt travel or replacement timelines.
Quick Verdict: Conditional Yes — Strong choice for travelers wanting extended coverage on high-value luggage, but best for those comfortable navigating occasional claim hurdles.
| Pros | Cons |
|---|---|
| Fast claim processing—sometimes within minutes | Some reports of repeated documentation requests and delays |
| Covers stains, rips, tears from day one | Certain damage types excluded despite appearing covered in marketing |
| Refunds issued via Amazon gift cards | Gift cards not received in rare cases without follow-up |
| Easy online or phone claim filing | Non-transferable coverage if replacement item is bought |
| Works well for frequent travelers facing airline baggage mishaps | Coverage confusion for edge cases; poor transparency causes frustration |
| Responsive customer service praised by many | Isolated reports of customer service being hard to reach |
Claims vs Reality
One standout marketing promise is “no additional cost repairs – parts, labor, shipping included.” Many users confirm this holds true: “Within an hour the cost of the suitcase was refunded! Pretty sweet!” shared a verified buyer on Amazon after an airline damaged their carry-on. However, Reddit user u/k5epn5y countered that “‘insurance’ plans are very rarely worth it… they often deny coverage due to nebulous terms like ‘wear and tear’.”
Another big claim is the coverage from day one for stains, rips, seam separation. Verified buyer feedback suggests this is accurate for obvious luggage failures like wheels breaking mid-trip, with one traveler recalling, “Sure enough 6 months later the airline snaps my wheel… claim approved in 5 minutes.” Yet some customers, particularly those on Trustpilot, report frustration when exclusions are applied unexpectedly, alleging “deceptive sales plans” that led to accidental damage claims being denied.
Finally, ease of filing a claim online or by phone is touted heavily. A verified buyer on Amazon summed it up: “Super intuitive and quick… I recommend buying insurance on all your Amazon applicable purchases.” But others, like Reddit user u/lfn673q, found themselves “two hours on a chat… clear agenda of denying and delaying to avoid coverage,” revealing that while many experience simplicity, a subset runs into bureaucratic hurdles.
Cross-Platform Consensus
Universally Praised
Speed stands out across platforms. Frequent flyers benefit most, as damage often occurs in transit. One Trustpilot reviewer recounted, “My suitcase was damaged… claim approved and resolved before I got on my flight!” This immediacy is critical for those who cannot afford downtime between trips. Another Amazon user described filing a claim for a broken purse strap and “got a refund very quickly” enabling an immediate replacement.
Customer service positivity appears consistently in successful claims. A Twitter/X verified purchase review declared, “The best insurance ever… actually do what they claim they will,” after a straightforward refund for a damaged luggage set. Both seasoned travelers and occasional vacationers reported relief at avoiding lengthy disputes with manufacturers thanks to ASURION’s direct reimbursement.
The non-repair resolution of issuing Amazon gift cards is seen as beneficial by buyers who prefer to choose their own replacements. One Redditor who suffered a tent leaking in seven places reported they “got my money back after sending pics… keep the tent.”
Common Complaints
Documentation loops and delays plague some claimants. Quora-sourced accounts include, “Had to call countless times… resubmit the same pictures and paperwork… they will do anything to not pay.” This pattern most affects those with complex claims or when gift card delivery fails, disrupting budgeted replacement purchases mid-travel season.
Coverage confusion particularly bites buyers at the margins of what’s defined as ‘normal use’. In one Reddit thread, a user asked if indoor security cameras used under a porch would be covered—only to learn that “using an indoor product outdoors… falls outside of normal use.” This means occasional travelers with unconventional luggage usage or custom modifications risk claims being denied.
A lingering frustration applies to non-transferable protection. Amazon buyers noted losing the remainder of a multi-year coverage when replacing a defective bag with the same model, feeling short-changed despite brand loyalty.
Divisive Features
The generous time windows for coverage beyond manufacture warranty win applause, yet for some, that long horizon increases the odds of running into changes in policy or plan terms over time. Reddit user u/l51bqlv praised “extensive experience… their warranty service was amazing,” while others believe paying “$14 per month… only covers my phone and one device” under parallel ASURION programs shows potential for mismatched expectations across product categories.
Issuing refunds via Amazon gift cards suits regular platform users but may frustrate those preferring direct cash or using other retailers for replacements. While one Trustpilot reviewer celebrated “full reimbursement via Amazon gift card… I’m going to buy protection on everything I buy from Amazon over fifty dollars,” another lamented waiting on a card they “never received… told to call back yet again.”
Trust & Reliability
Scam concerns primarily surface on Trustpilot where users perceive sales agents as promising broader accidental damage coverage than actual terms allow—particularly for TVs and electronics. Examples include buyers feeling “swindled” when paint cracks on a bat were covered but an actual fracture was not. These issues point to the importance of reading exact plan details for luggage versus relying on verbal assurances.
Long-term stories skew positive, with frequent travelers recounting years-long use before issues: “Two years later, one zipper gave out… claim over phone… check in the mail in two weeks,” from a verified Amazon review. This suggests the plan holds up well over its multi-year lifespan for typical wear scenarios.
Alternatives
Within the provided feedback, direct competitors are absent; however, narrative comparisons hint that travelers sometimes rely on airline liability or credit card extended warranty perks. ASURION develops loyalty partly because these alternatives can be slower or more restrictive in coverage categories like seam failures or fabric damage—areas where travel insurers often limit payouts unless caused by airline fault.
Price & Value
Market listings show plans priced variably from under $8 to $15.99 for mid-tier luggage, affordable for items over $100. High-value purchases ($250–$299) justify the expense for many: “Will never purchase a high value item without it again,” claimed a buyer after a fractured wheel incident. Sellers on eBay and niche travel insurance pages reinforce its accessibility—with cost proportionate to luggage value rather than a flat fee.
Frequent travelers and parents of school-aged kids especially find value in repetitive use scenarios. One Reddit contributor shared they “have [coverage] on every one of their phones and tablets… there isn’t enough allowance to cover the amount of damage my kids have done.”
FAQ
Q: Does ASURION cover airline damage to luggage?
A: Yes, damage like broken wheels from airline handling is often approved. Many buyers reported same-day claim resolutions in such cases.
Q: Can I transfer protection to a replacement product?
A: No, coverage is tied to the original item. Even buying the same model again does not carry over unused coverage time.
Q: What happens if my claim is denied?
A: Request detailed reasons, appeal with more documentation, and reference exact plan terms. Some denials are overturned upon better evidence.
Q: Are Amazon gift cards the only refund method?
A: Typically yes, refunds are issued as Amazon e-gift cards, allowing immediate platform purchases but not direct cash.
Q: Does it cover cosmetic damage?
A: Cosmetic issues not affecting functionality are generally excluded—even if visually significant.
Final Verdict: Buy if you’re a frequent traveler with mid-to-high-value luggage prone to transit mishaps; avoid if you need transferrable coverage or cash refunds only. Pro tip from community: Keep clear photos of your luggage from day one; when damage occurs, submit these alongside your claim to reduce processing time.
