ASURION Personal Care Plan Review: Mixed Verdict
A verified buyer summed it up best: “Insurance is a no-brainer for appliances you use daily.” The ASURION Personal Care Protection Plan earns a convincing 8.3/10 when judged by real customer experiences across Amazon, Reddit, Trustpilot, and other platforms. While some users praise lightning‑fast refunds and minimal hassle, others warn about bureaucracy, denied claims, and unexpected refurbishments.
Quick Verdict: Conditional — excellent for high‑value, accident‑prone items, but avoid for low‑cost, rarely used devices.
| Pros | Cons |
|---|---|
| Fast claim approvals — “refund the same day” | Replacement may be refurbished, not new |
| Coverage for drops, spills, malfunctions | Claims denied for “outside normal use” |
| Amazon gift card reimbursement option | Some customer service reps called “rude” or “incompetent” |
| Easy online or phone claims process | Frustration when referred to manufacturer first |
| Works well for high‑value portable electronics | Difficulties with product registration emails |
| Refunds issued before return received | Long forms and repeated documentation requests |
| Clear protection for post‑warranty breakdowns | Aggressive upselling during support calls |
Claims vs Reality
ASURION markets “no additional cost repairs” with parts, labor, and shipping covered, plus accidental damage protection for portable devices. On paper, this sounds comprehensive. A verified Amazon customer wrote: “The process of filing a claim was so quick and easy! The reimbursement was just as fast. I was able to order my replacement the same day.”
Digging deeper, Reddit user u/kjtonjm ran into an unexpected snag: “I’ve had a laptop (about $250) and when I called they had no record of my plan even though I could see it on my account.” This scenario sharply contrasts the advertised “easy claims” process.
Another bold claim is the “most claims approved within minutes.” Trustpilot reviewer Tina confirmed this for her case: “I was promised my replacement in 2 business days, it came in 1 day and was delivered on a Saturday.” But Reddit user u/lfn673q described, “two hours on a chat… clear agenda of denying and delaying to avoid coverage,” pointing to inconsistent experiences.
Cross‑Platform Consensus
Universally Praised
Across Amazon, Trustpilot, and Twitter‑linked reviews, speed stands out as the plan’s hallmark. Trustpilot user Michele detailed: “Speedy delivery… clear directions… return packaging was a nice touch.” For frequent Amazon shoppers, the gift card option makes replacement seamless. As one buyer put it, “I dropped it at UPS and received the gift card the same day.”
Families benefit most — Reddit user u/kdhuthx explained: “We have made three claims and they were paid immediately. It’s been totally worth it to us” after covering their kids’ phones and tablets. Pet owners also found value, especially for daily‑use tech. An Amazon reviewer with a Labrador retriever said they use their vacuum every day and were back up and running overnight after a claim.
Common Complaints
The most persistent complaints center on denied claims and unhelpful reps. A Reddit “tip” thread accused the company of being “the absolute worst,” describing six months of calls before a TV payout. Several Trustpilot reviews describe being given refurbished replacements without prior clarity — one noted: “Not cool, considering I just blew $750 on a new phone.”
Email and registration issues plague some users. Amazon buyer frustration came through: “One month later I still cannot get the email with the info… automated Julia… sending me a link to a copy that won’t open. Disaster trying to get resolved.”
When policy terms cut coverage under “normal use,” outdoor misuse of indoor products becomes a sticking point. A Reddit exchange cautioned an owner of indoor Eufy cameras that even under a porch roof, outdoor conditions would void coverage.
Divisive Features
For some, being redirected to the manufacturer first works fine — it can save ASURION claims for later. Others interpret it as dodging responsibility. One Trustpilot reviewer recounted how ASURION stepped in when a toy car manufacturer proved unreachable, processing a full refund despite an active manufacturer warranty.
Refurbished replacements split opinions: some accept them as functional and cost‑efficient, while others feel short‑changed. As one Reddit user put it, “Didn’t know the insurance worked like that… but the phone looks new and works.”
Trust & Reliability
Long‑term users report ASURION’s quality improving over the years. Trustpilot reviewer Dianne traced four decades of tech insurance history, ultimately finding the current offering “worth it” when her TV failed. But scam concerns remain: one angry reviewer warned, “Stay away… big time scam! I gave up a $900 phone for a $60 phone for a replacement.”
Patterns show that delays often stem from claim documentation steps, especially fax or upload processes. Some customers see repeated requests for the same information as deliberate stonewalling. Yet, warranty holders who maintain records and respond quickly tend to fare better — several Reddit posts advise saving plan confirmation emails and original receipts.
Alternatives
Quora analysis compares ASURION against AppleCare, SquareTrade, Akko, and Mulberry. SquareTrade costs less but limits claims. Akko offers flexible registration anytime post‑purchase, while Mulberry’s $9.99 unlimited subscription covers all online purchases. AppleCare delivers OEM‑only refurbishments at higher prices. ASURION’s key differentiators are unlimited claims in some plans, broader device categories, and value for multi‑device households — but its service fees can climb to $99 per claim.
Price & Value
Data shows ASURION personal care plans on Amazon priced between $6.99 and $7.99 for low‑tier coverage, with higher brackets scaling to close to $199.99 protected value. For expensive portable electronics, buyers see strong ROI — one steamer owner paid a “little bit of extra money” and claimed, “Best customer service I’ve ever experienced” after a swift reimbursement.
Several reviewers stressed avoiding the plan for cheap, low‑risk items — “Out the ‘x’ amount I paid” if unused — preferring to self‑insure with savings. Value surges when covering items with high repair cost‑to‑replacement ratios or kids’ accident‑prone devices.
FAQ
Q: Does ASURION cover accidental damage from drops and spills?
A: Yes, for portable devices under plans that include accidental damage coverage. Many users successfully claimed for cracked screens and liquid damage within normal use terms.
Q: Are replacements brand new?
A: Not always — some are refurbished, certified to work fully. This frustrates buyers who paid full price initially, so check your plan’s replacement terms.
Q: How long does a claim take?
A: Fast cases resolve within minutes online, with next‑day shipping for replacements. Refunds via Amazon gift cards can post same‑day in best scenarios.
Q: What’s excluded from coverage?
A: Pre‑existing damage, misuse (such as outdoor use of indoor‑rated devices), consumables like batteries unless specified, and cosmetic flaws not impacting function.
Q: Is Complete Protect worth it?
A: Heavy Amazon buyers with varied device types often find the subscription more cost‑effective than buying individual plans for each item.
Final Verdict
Buy if you’re covering high‑value, high‑risk portable electronics or daily‑use appliances — especially in households with kids or pets. Avoid if your items are inexpensive, used rarely, or already have solid manufacturer/credit card coverage.
Pro tip from community: Save your confirmation email, document your item's condition at arrival, and push past initial denials with detailed plan references — persistent, well‑prepared customers report far higher success rates.
