ASURION Phone Protection Plan Review: Conditional 7.4/10
A “replacement in less than 24 hours” is the moment ASURION Mobile Phone Protection Plan either wins you for life—or loses you when the box shows up wrong. Verdict: Conditional, 7.4/10.
Digging deeper into user reports across Amazon listings/FAQs, Reddit community discussion, ConsumerAffairs reviews, and Trustpilot coverage summaries, a recurring pattern emerged: when claims flow smoothly, customers describe the process as “fast,” “easy,” and sometimes shockingly quick. When it doesn’t, the frustration isn’t subtle—people cite backorders, unexpected deductibles, confusing repair vs replacement paths, and (most damaging) replacement-device quality issues.
Several users also focus on the plan’s structure itself: what’s covered, when coverage starts, and what is explicitly excluded. Amazon’s plan description and FAQs stress accidental damage coverage from “day one,” with malfunctions after the manufacturer warranty, plus service fees ($49 repair / $129 replacement on the Amazon plan page). Meanwhile, some customer experiences—especially around replacement condition and model parity—show the practical gray areas that can turn “peace of mind” into a dispute.
Quick Verdict
ASURION Mobile Phone Protection Plan: Conditional (best if you can tolerate refurbished replacements and deductible/service fees)
| What buyers liked (by platform) | Evidence (quotes) | What buyers disliked (by platform) | Evidence (quotes) |
|---|---|---|---|
| Fast replacements / shipping | Reddit user (name unavailable in excerpt) said: “the phone did come within 24 hours”; A reviewer on ConsumerAffairs wrote: “i received my phone the next day.” | Replacement quality inconsistency | A reviewer on ConsumerAffairs warned: “replacement phones - first one you could not text on… second one… broke… third one…” |
| Easy claim filing | A reviewer on ConsumerAffairs wrote: “it took me not more than ten minutes to report the issue”; Trustpilot excerpt noted: “making my claim was easy and efficient.” | Costs feel high vs phone age | A reviewer on ConsumerAffairs wrote: “didn’t feel i had to pay $100 for… an older iphone 5s.” |
| Convenient repairs (mobile tech) | Reddit user (name unavailable in excerpt) said: “a guy… pulled up… replaced my screen… really smooth”; Asurion site review quoted: “repaired it in 20 minutes.” | Repair vs replacement confusion | A reviewer on ConsumerAffairs wrote: “the only option… was a replacement phone for $199… all i wanted was glass replacement.” |
| Occasional upgrades if identical unavailable | A reviewer on ConsumerAffairs wrote: “i also got a phone with more storage… added bonus”; Another wrote: “an upgraded one… mailed immediately.” | Claims delays/backorder | A reviewer on ConsumerAffairs wrote: “replacement phone was not available for weeks… took way too long.” |
Claims vs Reality
ASURION Mobile Phone Protection Plan is marketed around speed and simplicity—file anytime, quick approval, and rapid repair or replacement. On the Amazon product page for the Asurion accident plan, the pitch is explicit: “most claims approved within minutes,” and if it can’t be repaired, “we’ll send you an amazon.com gift card… or replace it,” with stated service fees. Asurion’s own materials emphasize quick turnaround: “next-day replacement” and “replacement phone in as little as 24 hours.”
Digging deeper into user reports, that “24 hours” claim does show up in lived experience. Reddit user (name unavailable in excerpt) said: “they… arranged for next day shipping (a nice surprise)” and “the phone did come within 24 hours.” On ConsumerAffairs, multiple reviewers echoed that pace, including: “my replacement phone was delivered the next day as promised,” and “i got my phone replaced in 24 hrs.”
But the same speed promise collides with backorder and logistics stories. A ConsumerAffairs reviewer described a long wait: “my replacement phone was not available for weeks.” Another described shipping/address friction: “package was sent under my husband’s name… returned by my work,” and worried about delivery security for a “$1200+ iphone.” While marketing claims speed, the data suggests “fast” often depends on inventory and fulfillment conditions.
A second core marketing claim is “quality fixes” and reliable replacements. Reddit user (name unavailable in excerpt) captured the anxiety many buyers have about refurbished devices—then relief when it goes well: “i was worried about the quality… read the horror stories… the one i received looked absolutely new and the battery capacity was still 100%.” ConsumerAffairs also includes positive replacement-condition notes like: “arrived very quickly, and was in great condition!”
Yet a recurring contradiction appears: while replacements may be “new or refurbished” (explicit in Asurion terms and echoed in marketplace documents), multiple users report defective replacements and repeat swaps. One ConsumerAffairs reviewer said: “was happy at first… however, the phone you sent me was defective… then… another defective phone.” Another wrote: “replacement phone… only worked for about 2 weeks before dying.” While officially positioned as like-for-like “new or refurbished,” a subset of user feedback frames replacement quality as the biggest risk.
Cross-Platform Consensus
Universally Praised
Speed is the headline when things go right. A recurring pattern emerged across Reddit and ConsumerAffairs: users describe claim submission as quick and replacements arriving within a day—even on weekends. Reddit user (name unavailable in excerpt) said: “overall i was on the phone for 20 min… arranged for next day shipping.” ConsumerAffairs reviewers reinforce that rhythm with lines like: “i made a claim on a friday night and had my replacement by 10 am the next morning.”
For busy parents and anyone who can’t be offline (gig workers, on-call employees), the practical impact is obvious: minimal downtime. A ConsumerAffairs reviewer framed it in daily-life terms: “this really saved me cause i have to have my phone for work.” Another highlighted convenience while traveling: “the second phone i had shipped to florida to meet me when i was traveling. very convenient and accommodating.”
The second consistent praise is the “easy” process—especially for less tech-comfortable users—when online steps work as intended. On Asurion’s own review page, a customer quote reads: “thank you so much for making it so easy to make an online claim… for this not too tech-savvy grandma.” ConsumerAffairs repeats similar sentiment: “the whole transaction was very easy… i can do everything online, and that makes the process very convenient.”
Finally, on-the-go repairs (screen repair or technician visits) come through as a standout when available. Reddit user (name unavailable in excerpt) described doorstep service: “a guy… pulled up… replace my screen… give him tops 30 minutes.” Another Asurion-site quote mirrors that: “repaired it in 20 minutes… very convenient.” For commuters and families juggling schedules, the ability to avoid a store visit becomes the difference between “insurance I forget about” and a service they renew.
After those stories, the praise clusters into:
- Fast replacements (“within 24 hours” appears repeatedly)
- Claim filing that feels simple (“ten minutes,” “easy online claim”)
- Convenient repair options (mobile tech, quick screen service in some cases)
Common Complaints
Costs—deductibles, service fees, and the feeling of paying twice—are a constant pressure point. ConsumerAffairs includes multiple users surprised by the out-of-pocket amount. One wrote: “only comment was that i was surprised at the amount i was required to pay.” Another compared cost to device age: “didn’t feel i had to pay $100 for a phone… released more than 4 years ago.” For budget-focused users keeping older phones longer, that mismatch between premiums paid and replacement/repair fees is a repeated grievance.
A second complaint is claim-path friction: users who wanted a repair sometimes felt pushed into replacement, or struggled to access the option they needed. One ConsumerAffairs reviewer described trying to get glass repair but seeing only replacement online: “the only option that came up online was a replacement phone… all i wanted was glass replacement.” They added: “had to google to find a customer service #.” For travelers or anyone facing a tight deadline, being told the only repair window didn’t fit their schedule escalated the frustration: “a tuesday remote visit was my only option… i was leaving out of town.”
The most severe complaint category is replacement-device issues: wrong model, incompatible parts, or devices that arrive defective. ConsumerAffairs includes blunt examples: “they gave us the wrong model,” and a multi-swap saga: “first one you could not text on… second one… broke… third one can only be charged in the car.” Another reviewer said: “the fingerprint sensor does not work… right out of the box.” These stories hit hardest for people who can’t afford repeated setup cycles—parents managing kids’ devices, small-business owners, or anyone without easy backup access.
After the narratives, the complaint themes consolidate into:
- Deductible/service fee sticker shock (especially on older devices)
- Repair vs replacement confusion and limited repair availability
- Replacement quality inconsistency (defects, wrong model, repeat replacements)
Divisive Features
Replacement equivalency is the most polarizing issue. Some users walk away delighted when they receive what feels “like new.” Reddit user (name unavailable in excerpt) said: “looked absolutely new… battery capacity was still 100%.” ConsumerAffairs includes “pristine condition” and “worked immediately” language. For these customers, refurbished doesn’t automatically equal inferior.
But others see replacements as a downgrade or a gamble. One ConsumerAffairs reviewer complained: “replacement is not always identical,” and another (in Trustpilot summary excerpt) included a harsh claim: “i gave up a $900 phone for a $60 phone.” Even when users receive an “upgrade,” it can still create problems like new-case purchases and size changes; a ConsumerAffairs reviewer said: “i didn’t get the same replacement… the size difference is huge… i’ve adjusted to it.”
Tech support add-ons also split opinion. Reddit user (name unavailable in excerpt) criticized upselling and “extra it help” as “not worth it at all,” describing a “sales pitch” during the claim call. Yet some ConsumerAffairs stories praise helpful reps who “talked me through the whole process” and even followed up multiple times. The data suggests experience may depend heavily on the specific plan tier and representative interaction.
Trust & Reliability
“Scam” language appears in the data, especially when a claim is denied, reversed, or a replacement feels like a downgrade. A ConsumerAffairs reviewer wrote: “this company is a scam… approved twice and then they revert it.” Another Trustpilot excerpt is even more direct: “stay away from these guys. big time scam!!” Digging deeper into user reports, the trigger is rarely the existence of deductibles (many expect that), but the perception of inconsistent outcomes—approval reversals, unclear reasoning, or replacement-device dissatisfaction.
At the same time, long-run reliability stories exist—but they’re mostly framed as repeated successful claims rather than “six months later” durability checks. Reddit user (name unavailable in excerpt) ended their story with: “overall, no complaints,” after worrying about battery health and condition. ConsumerAffairs includes repeat-use satisfaction like: “i actually got a replacement phone and dropped that one in a week. so i had 2 good experiences,” and another: “my third time using… no hassle.” The reliability narrative, in this dataset, is less about device longevity and more about whether Asurion consistently executes the promise of getting you back online quickly.
Alternatives
Only a few competitors are directly referenced in the provided data, and they appear mostly as comparison points rather than full reviews. AppleCare+ is mentioned in the Reddit thread as a common alternative for iPhone owners. Reddit user (name unavailable in excerpt) said: “i have applecare+ now, but i feel like i’m paying extra for tech support that i never use.” That reflects a persona-driven tradeoff: users who value Apple’s repair ecosystem may still dislike paying for support features they don’t touch.
Carrier pathways also show up as quasi-alternatives: Verizon store support and AT&T store assistance are frequently part of the story. Several ConsumerAffairs reviewers describe store reps filing claims or helping activate replacements, suggesting that the “alternative” for some is leaning on the carrier’s retail channel rather than changing insurers.
Price & Value
The Amazon plan description for ASURION Mobile Phone Protection Plan highlights service fees like “$49 to repair or $129 to replace your phone,” and the FAQs emphasize what is and isn’t covered (notably: “loss… theft… cosmetic damage unless… stops working,” and “software issues are not covered”). That official structure matters because many user complaints are really “value mismatch” moments: paying monthly, then facing a deductible/service fee that feels too high for the device’s current worth.
ConsumerAffairs users repeatedly contextualize value through phone age. One reviewer said paying $100 felt wrong for an older iPhone: “been paying insurance for a long time… didn’t feel i had to pay $100.” Another said plainly: “only problem is price.” On the positive side, the value argument is strongest when replacement speed prevents larger losses (missed work, travel disruption). A ConsumerAffairs reviewer framed it as avoiding buying new: “the reason why i paid for insurance was to avoid buying a new phone!”
Buying tips also show up as community guidance: Reddit user (name unavailable in excerpt) advised checking plan levels because “verizon doesn’t necessarily make that clear,” and warned about upsells during calls. For price-sensitive buyers, the community emphasis is less “always buy insurance” and more “pick the tier that matches your risk.”
FAQ
Q: Does ASURION Mobile Phone Protection Plan cover cracked screens and spills?
A: Yes for many plans, starting from day one. Amazon’s FAQ states coverage includes “damage from drops and spills” and “cracked screens.” A ConsumerAffairs reviewer described: “i dropped my phone and destroyed the screen… tech came to my house to replace the screen.”
Q: How fast do replacements actually arrive?
A: Many customers report next-day delivery, but delays can happen. Reddit user (name unavailable in excerpt) said: “arranged for next day shipping” and “came within 24 hours.” But a ConsumerAffairs reviewer reported: “replacement phone was not available for weeks.”
Q: Are replacement phones new or refurbished?
A: They can be either, depending on availability. Asurion terms state replacements “may be new or refurbished,” and a ConsumerAffairs reviewer noticed “in very small print… it was a ‘reconditioned phone.’” Some users were happy with condition; others reported defects.
Q: Why do some people get a different model or color than their original phone?
A: Inventory constraints can drive substitutions. A ConsumerAffairs reviewer said: “they did not have my exact same phone… i also got a phone with more storage.” Others disliked differences: “replacement is not always identical,” and one noted: “i had was discontinued… (color: black).”
Q: Is loss or theft covered?
A: It depends on the specific plan and channel. Amazon’s FAQ for the accident plan explicitly says “loss” and “theft” are not covered there, while other Asurion/carrier plans may include loss/theft. ConsumerAffairs includes theft/loss success stories like: “my mom lost her phone replaced next day.”
Final Verdict
Buy if you’re the kind of user who prioritizes being back online fast—and can live with the possibility of a refurbished replacement. ConsumerAffairs reviewers repeatedly praised speed: “my replacement phone was delivered the next day,” and Reddit user (name unavailable in excerpt) said the device arrived “within 24 hours” and “looked absolutely new.”
Avoid if you need guaranteed like-for-like replacements with zero hassle, or if repeating setup cycles would be a major burden. Some users describe repeated defective replacements: “sent me another defective phone,” and others complain about model mismatch: “they gave us the wrong model.”
Pro tip from the community: Reddit user (name unavailable in excerpt) advised verifying what tier you’re actually buying because “there are several levels of insurance,” and they warned claim calls can include a fast upsell pitch—so clarify coverage and costs before you say yes.
