ASURION Major Appliance Plan Review: Conditional Yes (6.8/10)
A Reddit thread summed it up bluntly: Reddit user u/lfn673q said: “I just had an issue with an Amazon product protection plan… the company has a clear agenda of denying and delaying to avoid coverage.” That frustration sits right next to glowing speed stories like “most claims approved within minutes” and replacements arriving fast—making ASURION Major Appliance Protection Plan feel less like a simple “yes/no” purchase and more like a risk trade. Verdict: Conditional — 6.8/10.
Quick Verdict
ASURION Major Appliance Protection Plan is a conditional yes: it can pay off when claims go smoothly, but multiple buyers describe denials, delays, and “run around” experiences that can leave you without a working appliance for weeks.
| What the data suggests | Pros (from user feedback + listing language) | Cons (from user feedback) |
|---|---|---|
| Claims speed can be very fast | “most claims approved within minutes” (Amazon plan listing) | “denying and delaying to avoid coverage” (Reddit user u/lfn673q) |
| Refund/reimbursement happens for some | Reddit user u/ls8rc4v said: “they refunded me the entire amount on my amazon gift card balance” | “I have gotten the run around… almost three weeks” (Amazon verified review) |
| Sometimes “keep the item + refund” | Reddit user u/ksae2vb said: “they could just refund me and I keep the tent” | Tech/contractor delays & repeats: “two weeks… two weeks… six months of hand washing dishes” (Amazon verified review) |
| Plan rules can bite | “pre-existing conditions are not covered” (Amazon plan listing) | Denial rationales feel arbitrary to some: “denied… not ‘properly installed’” (Reddit user complaint thread) |
Claims vs Reality
Claim #1: “You pay nothing for repairs—parts, labor, and shipping included.”
On paper, Amazon’s listing language sounds absolute: “you pay nothing for repairs – parts, labor, and shipping included.” Digging deeper into user reports, the pain point isn’t always the repair bill—it’s getting to a repair outcome at all. One Amazon reviewer described prolonged downtime: “I have gotten the run around… and have now been without a functioning washing machine for almost three weeks,” blaming “an extremely long and unreasonable internal approval process.”
Another verified Amazon reviewer painted a months-long loop of repeat visits and waiting: “It took two weeks for the first repairman to arrive… six half days waiting for repairmen… six months of hand washing dishes.” For a family relying on a dishwasher daily, that kind of timeline turns “covered repairs” into a lifestyle disruption rather than a benefit.
Claim #2: “Easy claims process… most claims approved within minutes.”
There are real stories supporting fast resolutions. Reddit user u/ls8rc4v reported: “when it stopped working just over a year later they refunded me the entire amount on my amazon gift card balance.” Reddit user u/kd huthx described repeat success: “We have made three claims and they were paid immediately.”
But the contradiction shows up just as clearly: Reddit user u/kjtonjm said, “when I called they had no record of my plan even though I could see it on my account.” And Reddit user u/lfn673q’s two-hour chat experience ended with the belief the process is built to stall: “denying and delaying to avoid coverage.” For users who expect “approved within minutes,” these stories suggest the experience can swing sharply depending on documentation, category, timing, and the specific claim path.
Claim #3: “If we can’t repair it, we’ll send you an Amazon e-gift card… or replace it.”
Replacement/refund outcomes do show up in user anecdotes. Reddit user u/ksae2vb said: “definitely not a scam,” describing a refund after sending photos. That kind of outcome is especially attractive for low-to-mid priced products where a quick payout is simpler than repair.
Yet buyers also worry about resolution quality or fairness when a claim is contested. One Amazon verified reviewer called it “worst protection plan you could go with… I haven’t been able to get a resolution,” while another warned: “they take your money and then when you have an issue, the ‘claims contact’ will find ways to say plan is not applicable.” The “repair or replace” promise exists, but users describe scenarios where the gatekeeping (eligibility, exclusions, interpretation) becomes the real battleground.
Cross-Platform Consensus
Universally Praised
Speed is the headline when things go well, and it matters most to people who can’t tolerate downtime—families with kids, busy households, and anyone who relies on a single appliance daily. In community anecdotes, fast approval feels like the entire point of paying for protection. Reddit user u/ls8rc4v said: “they refunded me the entire amount on my amazon gift card balance,” describing a clean, decisive outcome. Reddit user u/ksae2vb echoed the low-friction theme: “I got my money back after sending some pics etc.”
Another recurring “win” is the simplicity of not needing deep technical proof when the claim aligns with what the plan expects. Reddit user u/kd huthx framed it as repeatable value: “We have made three claims and they were paid immediately. It’s been totally worth it to us.” For frequent Amazon shoppers or households with multiple devices/appliances, the emotional payoff is not having to argue about repairs—just getting made whole quickly.
There’s also praise for outcomes that feel generous, like a refund without a return. For users who fear being stuck shipping bulky items, stories like Reddit user u/ksae2vb’s—“they could just refund me and I keep the tent”—signal a best-case scenario: minimal effort, minimal time, and no logistical headache.
After these narratives, the consistent positives can be summarized:
- Fast resolution when approved: “refunded me the entire amount” (Reddit)
- Low paperwork in some cases: “after sending some pics” (Reddit)
- Repeat success for some households: “three claims… paid immediately” (Reddit)
Common Complaints
A recurring pattern emerged around denial, delay, and uncertainty—especially when claims require interpretation (cause of damage, installation conditions, “normal use,” or whether manufacturer warranty should handle it first). Reddit user u/lfn673q described an exhausting attempt to resolve a claim: “after two hours on a chat… denying and delaying to avoid coverage.” That kind of experience hits hardest for users filing under stress—when an appliance failure is already disrupting work, childcare, or daily routines.
Plan-record confusion shows up as a particularly maddening failure mode: you think you did everything right, yet the system doesn’t “see” you. Reddit user u/kjtonjm said: “they had no record of my plan even though I could see it on my account.” For anyone relying on a protection plan as a safety net, this undermines trust immediately.
On major appliances, the most severe complaints focus on turnaround time and contractor coordination. One Amazon verified reviewer wrote: “I have gotten the run around… almost three weeks,” calling out “an extremely long and unreasonable internal approval process.” Another described repeat appointments and ineffective fixes that stretched into daily hardship: “six months of hand washing dishes… worst service experience of my life.” For households without backups (no second fridge, no laundromat budget, no time off work), the operational reality becomes the real cost.
Common complaint themes, condensed:
- Denials framed as technicalities: “denied… not ‘properly installed’” (Reddit thread)
- Long repair cycles: “almost three weeks” and “six months” (Amazon verified reviews)
- Plan/admin breakdowns: “no record of my plan” (Reddit)
Divisive Features
Even among people who like the idea of coverage, “what counts as normal use” and “what counts as covered damage” sparks disagreement. In the Reddit discussion about device usage conditions, a commenter warned that using an indoor product outdoors “falls outside of normal use,” implying claim outcomes can hinge on usage context. For buyers who want broad peace-of-mind coverage, that feels like a trap; for others, it’s a reasonable boundary.
Another divisive point is whether these plans are worth it at all. Reddit user u/k5epn5y expressed broad skepticism: “these ‘insurance’ plans are very rarely worth it… commonly deny coverage due to nebulous terms.” In direct contrast, Reddit user u/l51bqlv said: “their warranty service was amazing,” and Reddit user u/kd huthx framed repeated claim success as proof: “totally worth it to us.” The split isn’t subtle: some see protection plans as practical risk management, others see them as designed to avoid payout.
Trust & Reliability
Scam language appears repeatedly in user-written feedback, and it’s often tied to denial outcomes rather than the concept of insurance itself. On Amazon reviews for an Asurion appliance protection listing, one reviewer wrote: “this has to be a scam, worst protection plan you could go with.” In a separate Reddit thread title and post, the sentiment is even stronger: “Asurion Appliance Plus is a scam and fraud, DO NOT SIGN UP,” followed by a denial story where the user said the claim was rejected because it was not “properly installed.”
At the same time, longer-term reflections complicate the picture. In that same Reddit ecosystem, there are users describing multiple successful claims and changed attitudes over time—especially for families with kids and frequent breakage. One commenter said: “having multiple school aged kids has changed my opinion… I have them on every one of their phones and tablets,” framing value as household-specific rather than universally true.
The reliability takeaway is less “always good” or “always bad” and more: outcomes appear heavily dependent on whether your failure fits cleanly into covered categories and whether the claim can be processed without interpretive disputes.
Alternatives
Digging deeper into the provided data, the only explicit competitor discussed is Assurant’s Appliance Protection Plan (Service Protection Advantage). Its positioning emphasizes clarity and a deductible model: “$50 deductible… only when a claim is filed,” plus a “nationwide network of authorized technicians” and service timing claims like “servicing most products within 2-3 business days.”
Where ASURION Major Appliance Protection Plan narratives split between “paid immediately” and “run around,” the Assurant page leans into predictable process language and examples of covered issues (e.g., “refrigerator not cooling,” “dishwasher not draining”). That said, this dataset contains no direct user quotes about Assurant—only the provider’s own wording—so the comparison can’t be validated by community experiences here.
Price & Value
On Amazon, the one-off ASURION Major Appliance Protection Plan pricing shown in the listing data varies by tier, with examples like “$19.99” for a 2-year plan tied to a $150–$174.99 appliance purchase range, and “$99.99” for a 3-year plan tied to a $600–$699.99 purchase range. The official value pitch is straightforward: “You pay nothing for repairs… If we can’t repair it… [an] Amazon e-gift card.”
The subscription-style Asurion Appliance+ pricing in the provided materials is “$34.99 per month” with “a service fee of $99 plus tax… for each approved claim,” and coverage caps described as “up to $5,000 in coverage every 12 months.” While that’s a different product structure than the one-off Amazon plan, users discussing Asurion often blend these experiences, which may contribute to confusion about fees, overlap with manufacturer warranties, and claim pathways.
Community buying tips show up indirectly as cautionary heuristics. Reddit user u/k5epn5y argued these plans “rarely [are] worth it,” while Reddit user u/kd huthx countered with lived value: “three claims… paid immediately.” Another Reddit commenter raised overlap concerns: “the consumer is paying for… overlap,” questioning whether you’re “only getting one year of coverage” on a “two year warranty” if the manufacturer warranty overlaps. For value-focused shoppers, that overlap question is central: you’re not just buying coverage—you’re buying the timing and ease of resolution when something breaks.
FAQ
Q: Are Asurion major appliance protection plans worth it?
A: Conditional. Some Reddit users report fast payouts—Reddit user u/ls8rc4v said: “they refunded me the entire amount”—and Reddit user u/kd huthx said: “three claims… paid immediately.” But other buyers describe denials and long delays, including “run around” repair timelines in Amazon reviews.
Q: How fast are Asurion claims approved?
A: It varies. The Amazon plan listing says “most claims approved within minutes,” and multiple stories align with quick resolutions. But Reddit user u/lfn673q described “two hours on a chat” and felt the process was “denying and delaying,” suggesting speed depends on claim type and documentation.
Q: What happens if Asurion can’t repair the appliance?
A: Amazon’s listing states they’ll issue “an Amazon e-gift card for the purchase price… or replace it.” Some users describe refund outcomes, like Reddit user u/ksae2vb: “they could just refund me and I keep the tent,” and Reddit user u/ls8rc4v: “refunded me the entire amount.”
Q: What’s a common reason people say claims get denied?
A: Users frequently mention technicalities and exclusions. Reddit user u/lfn673q felt claims were “denying and delaying,” while another Reddit poster said a claim was denied for not being “properly installed.” Others cite “pre-existing” issues or coverage being deferred to the manufacturer warranty first.
Final Verdict
Buy if you’re the type of household that values fast, decisive outcomes when they happen—especially if you’re comfortable documenting issues and navigating claim steps. Reddit user u/kd huthx said: “three claims… paid immediately,” and Reddit user u/ls8rc4v reported a full refund via gift card.
Avoid if you cannot tolerate downtime or ambiguity in claim interpretation—multiple Amazon reviewers describe weeks to months of delays, and Reddit user u/lfn673q alleged “denying and delaying to avoid coverage.”
Pro tip from the community: keep your purchase and plan documentation handy—Reddit user u/kjtonjm said: “they had no record of my plan even though I could see it on my account,” highlighting that admin friction can be as damaging as the appliance failure itself.
