ASURION Major Appliance Protection Plan Review: Conditional Verdict
A Reddit user u/kdhuthx put it bluntly: “We have made three claims and they were paid immediately. It’s been totally worth it to us.” That’s the core appeal of the ASURION Major Appliance Protection Plan, a service marketed as comprehensive, fast, and hassle-free. Pulling data across Amazon, Reddit, Trustpilot, and other platforms, the plan scores an 8.2/10 for high-value households who need broad coverage and can navigate its claims process—though persistent reports of denials and repair delays mean it won’t suit everyone.
Quick Verdict: Conditional
| Pros | Cons |
|---|---|
| Broad coverage for multiple appliances | Claims sometimes denied on technicalities |
| Fast approvals for many users | Some parts/replacements slow to arrive |
| Food loss & laundry cost reimbursement | Must purchase within 30 days of product |
| Easy online and phone claim filing | No coverage for pre-existing conditions |
| Replacement or e-gift card when repair fails | Service fee of $99 per approved claim |
| Coverage beyond manufacturer’s warranty | Confusion over overlap with manufacturer coverage |
Claims vs Reality
Marketing promises parts, labor, and shipping at no extra cost, quick claims approval “within minutes,” and seamless coverage for mechanical/electrical failures plus power surges from day one. Amazon listings emphasize food loss reimbursement of up to $250 and laundry reimbursement of $25.
Digging into actual user experiences, many confirm these perks work as advertised—particularly refund or replacement scenarios. Reddit user u/ls8rc4v shared, “When it stopped working just over a year later they refunded me the entire amount on my Amazon gift card balance.” Trustpilot reviewer Tina praised the turnaround: “Promised my replacement in 2 business days; it came in 1 day.”
Yet there’s a second narrative. A Reddit post under “Asurion Appliance Plus is a scam” describes a claim denied because a microwave was deemed “not properly installed”—despite being unplugged only for child safety after glass broke. This mirrors Amazon customer reports of plans failing to honor coverage due to “wear and tear” interpretations or long internal approval processes. One Home Depot buyer wrote, “We’ve been without a refrigerator for 7 weeks… the lack of follow through has been horrible.”
Cross-Platform Consensus
Universally Praised
Across Reddit and Trustpilot, speed is the star. Verified buyers recount same-day or next-day resolutions. Michaele on Trustpilot called out “speedy delivery of the replacement phone… clear directions… nice return internal packaging” on a tech claim, and similar satisfaction extends to appliance service. For households with multiple appliances, consolidated coverage under one subscription is valued. Reddit user u/l51bqlv noted, “Extensive experience with Asurion warranties… their warranty service was amazing.” The preventative maintenance benefit—mentioned on lifestyle blogs—helps avoid breakdown crises, a boon for busy families.
This plan resonates most with users who buy high-value or moving-part-heavy appliances (washers, dryers, refrigerators). Financially, getting a full refund or covered repair avoids the sting of $1,000+ replacements. Multi-appliance homes also sidestep the tangle of managing separate manufacturer warranties.
Common Complaints
The higher profile negatives are claim denials and service delays. Technical exclusions (pre-existing conditions, cosmetic damage, improper installation) frustrate many. A Redditor described two hours on chat only to feel the company had “a clear agenda of denying and delaying to avoid coverage.” Amazon’s 1-star reviewers complain of three-week or longer waits due to internal approval bottlenecks. Some users feel misled about overlap with manufacturer warranties—buying coverage they couldn’t use for the first year.
There’s also repeated mention of parts availability slowing repairs, especially for high-end brands. While the marketing promises rapid fixes, reality sometimes requires weeks of waiting for rare components.
Divisive Features
The $99 service fee per approved claim splits opinion. For some, it’s negligible compared to major repairs; for low-cost items, it makes coverage less compelling. Unlimited claims are a selling point, but not all appliances qualify—another deal-breaker for those with niche brands. There’s also debate over whether multi-device subscriptions like Complete Protect are more cost-effective than item-specific plans; frequent Amazon shoppers tend to praise the subscription model, but light buyers find individual plans more practical.
Trust & Reliability
Trustpilot shows strong satisfaction, with many praising clear communication, professional techs, and stress-free claims. Dianne’s long-term view cites decades of evolving coverage: “It finally seemed to really even out in the last 10 years or so… the whole process was so fast and easy, I couldn’t believe it!”
However, scattered scam concerns persist, notably in Reddit complaints of “following the claim instructions voids your claim” and Amazon’s low ratings on certain multi-year plans. Long-term users stress reading terms carefully—eligibility windows, exclusions—to avoid unwelcome surprises.
Alternatives
From user comparisons, SquareTrade requires separate plans for each appliance—quickly adding cost for multi-appliance homes. American Home Shield bundles more systems but charges service fees per claim, making small fixes expensive. Home Depot and Lowe’s plans are store-specific with expiry dates, limiting scope and longevity. Users who favor Asurion often cite its flexibility (“covers appliances regardless of where they were purchased”) and continuous protection as long as you pay.
Price & Value
Marketed at $34.99/month (+$99 per service claim), the plan’s value scales with appliance cost and usage. High-cost appliances quickly justify the fee if a major failure occurs. For budget models or items unlikely to break beyond warranty, community advice leans toward skipping coverage or relying on credit card benefits. Pro tip from Reddit: capture photos of appliance condition at purchase to support future claims.
FAQ
Q: Does Asurion cover food loss for refrigerators?
A: Yes—up to $250 per approved claim, as verified in Amazon specs and lifestyle blog reviews.
Q: When does appliance coverage start?
A: Claims for breakdowns begin after day 31; power surges are covered from day one.
Q: Are all appliances eligible?
A: No, some brands/types may be excluded; check plan terms before purchase.
Q: Can I cancel at any time?
A: Yes, with no extra charge—pro-rated refunds apply per terms.
Q: What’s the service fee?
A: $99 plus tax per approved claim, regardless of repair or replacement.
Final Verdict: Buy if you own multiple high-value appliances and want consolidated coverage with proven quick claim approvals. Avoid if your primary appliances are low-cost, niche-brand, or already covered under other policies. Pro tip from community: track all purchases and document condition—this speeds claims and reduces denial risk.
