ASURION Personal Care Plan Review: Worth the Risk?
A Reddit user summed it up bluntly: “Their warranty service was amazing.” Yet for every glowing testimonial, another customer calls them a “total scam.” That’s the polarizing reality of the ASURION Personal Care Protection Plan, which earns a strong 8.2/10 overall rating from aggregated cross-platform feedback — but only if you clearly understand its limits and processes.
Quick Verdict: Conditional buy — best for high-value, high-risk items; risky for low-cost or rarely used products.
| Pros | Cons |
|---|---|
| Fast claim approvals (minutes) | Replacements not always identical |
| Refunds often same-day after return | Reports of denied claims over “wear and tear” |
| Covers drops, spills, power surges | Processing delays up to 3–4 weeks in some cases |
| No extra cost on repairs (parts/labor) | Limited eligibility window (30 days from purchase) |
| Multi-device plans available | Aggressive upselling reported by customers |
| 24/7 tech support on Complete Protect | Complex terms and conditions |
Claims vs Reality
ASURION's marketing promises “most claims approved within minutes” and “no additional cost for repairs.” On many occasions, users confirm this pace. A verified buyer on Amazon noted: “Easy to submit claim… got the credit back right away. Very nice person with no pushback.” Trustpilot reviewers frequently describe next-day replacements for cracked screens or electronics failures.
However, Reddit user u/lfn673q experienced the opposite, alleging “a clear agenda of denying and delaying to avoid coverage” despite visible proof of purchase in their account. Others shared weeks-long waits for reimbursement, contradicting the advertised speed.
Marketing also stresses “drops, spills and cracked screens” as part of normal use coverage for portable products. While that’s accurate for phones, tablets, and laptops, a Reddit thread exposed limitations — attempting to use an indoor security camera outdoors would void coverage, as “it falls outside of normal use.”
Cross-Platform Consensus
Universally Praised
Across Trustpilot, Reddit, and Amazon reviews, the smooth claim process stands out for high-value devices. Parents in particular benefit: one Amazon user wrote, “Having multiple school-aged kids has changed my opinion… there isn’t enough allowance to cover the damage my kids have done to tablets and laptops.” ASURION replaced or refunded these quickly, avoiding large out-of-pocket costs.
Travelers and remote workers also praise the speed. A Trustpilot reviewer recounted, “Dropped my laptop — they took the old one and replaced it with a newer brand. All I did was pay shipping and tax.” For portable electronics, this responsiveness keeps downtime minimal, crucial for anyone dependent on their gear.
Complete Protect plan holders highlight the convenience of covering multiple devices under one subscription. Reddit user u/kdhuthx shared, “We have made three claims and they were paid immediately. Totally worth it to us.”
Common Complaints
The largest source of frustration is denial over coverage nuances. Items still within the manufacturer’s warranty often get referred back there, leaving customers feeling unsupported. A Reddit user relayed spending “two hours on chat” only to be told their laptop claim was invalid because ASURION “had no record of my plan.”
Processing delays appear most often in Trustpilot’s mid-to-low ratings. One reviewer complained, “They want to be paid immediately… but it takes 3–4 weeks to process any type of reimbursement.” Some even chase refunds for months, calling daily until escalation to a manager.
Replacement discrepancies also sour experiences — phones arriving refurbished, different colors, or lacking OEM accessories. A Quora reviewer of a Withings watch warranty reported ASURION’s site couldn’t even recognize the product brand during a claim.
Divisive Features
The upselling during claims calls splits opinion. Some see it as a minor annoyance (“be firm and they give up,” wrote one Verizon customer), while others reject the practice entirely. Likewise, refurbished replacements with a 1-year warranty are acceptable to those seeking function over aesthetics, but unacceptable to those expecting identical brand-new items.
These divisions underline the importance of expectation-setting: the plan promises “equal functionality,” not identical units.
Trust & Reliability
Scam accusations surface in Reddit threads like “tip: never purchase an ASURION protection plan,” often tied to multi-month struggles for payout. A Trustpilot reviewer went further, calling ASURION Home Plus “a complete nightmare… deny claims left and right.”
Yet long-term customers offer a counterweight. One Trustpilot user maintained coverage since 2022 and reported four seamless claims: “Each one… fast, efficient and I was very pleased. I will remain a loyal customer.” This suggests reliability improves when claims fall squarely within policy terms and are documented thoroughly.
Community advice stresses keeping receipts, photographing items upon arrival, and saving all warranty confirmations. These steps help prevent disputes over pre-existing conditions — a recurring denial reason.
Alternatives
From Quora’s expert comparisons, SquareTrade offers lower prices but fewer claims allowed, while Mulberry sells an unlimited subscription covering all online purchases at $9.99/month. AppleCare costs more and applies only to Apple products, with its own constraints on refurbished replacements.
ASURION’s differentiators are unlimited claims under Complete Protect, broad coverage across electronics and appliances, and inclusion of 24/7 tech support — features neither SquareTrade nor AppleCare replicate entirely.
Price & Value
On Amazon, individual ASURION Personal Care plans run ~$25 for items in the $150–$174.99 range. Multi-device Complete Protect subscriptions come in at $16.99/month. Competitors may cost less upfront but limit the number or type of claims.
For high-ticket or frequently handled items — like professional cameras, smartphones, and laptops — users find ASURION’s deductibles cheaper than replacing outright. As one Trustpilot account noted, “Even if I only file a claim every few years, I save money compared to paying out of pocket.”
Resale impact is negligible, as plans aren’t transferable beyond the original buyer for most consumer items. Community buying tips include adding coverage at checkout and avoiding missed registration windows.
FAQ
Q: Does ASURION cover cracked screens?
A: Yes, cracked screens on covered portable devices are included. Repairs are often same-day at authorized centers, or replacements shipped next-day if repair isn’t possible.
Q: Are ASURION replacements new or refurbished?
A: Both. Replacements may be new or refurbished with identical functionality. Cosmetic differences (color, accessories) are possible.
Q: How long do claims take to process?
A: Many are approved within minutes; replacement delivery can be next day. Some refunds, however, have taken weeks per user reports.
Q: Can I add a device after purchase?
A: Only within 30 days of buying the device on Amazon or with an ASURION partner. Complete Protect subscribers can cover eligible items bought in the previous 12 months.
Q: What’s not covered?
A: Pre-existing damage, cosmetic issues not affecting function, misuse (e.g., outdoor use of indoor-only products), and consumables unless stated.
Final Verdict: Buy if you’re a parent with multiple high-use gadgets, a traveler dependent on working tech, or someone prone to drops/spills. Avoid if you’re insuring low-value items, want guaranteed new replacements, or lack documentation. Pro tip from the community: document your device on day one — photos, receipts, and confirmation emails will save headaches later.
