ASURION Toy Accident Plan Review: Worth It or Not?
A drone crashing into a pole and getting a full refund within days — that’s the kind of story that makes people call the ASURION Toy Accident Protection Plan “totally worth it.” But with ratings swinging from 3.7 to 4.6 out of 5 across different price tiers, and some customers calling it “a total waste of money,” the picture is complicated. Overall score based on cross-platform sentiment: 7.8/10.
Quick Verdict: Conditional — worth it for high-value, damage-prone toys or drones, but frustrating for claims involving lost items or borderline coverage issues.
| Pros | Cons |
|---|---|
| Fast, hassle-free claims for physical damage | Denied claims if product cannot be returned (even if destroyed/lost) |
| Full refunds via Amazon gift card | Some policies “cover far less than advertised” |
| Shipping paid for approved returns | Difficult online claim filing for some users |
| Good customer support responsiveness | Perceived “friction” in claim process for certain scenarios |
| Peace of mind for kids’ toys and drones | Limited coverage on misuse/out-of-scope scenarios |
Claims vs Reality
Marketing promises “easy claims approved within minutes” and accidental damage coverage from day one. Amazon’s listings emphasize no additional cost for parts, labor, and shipping, plus coverage for drops, spills, and malfunctions after manufacturer warranties lapse.
Digging into user reports, this does hold true in many accident cases. A verified Amazon buyer described: “I crashed my drone and… they were not able to repair it so I got an Amazon gift card for the cost of the product 4 business days after it was received.” For customers whose items are intact enough to return, the process is often streamlined.
However, there’s a gap for scenarios like lost products. One Amazon reviewer warned: “A year later I crashed the drone and couldn’t recover it… they denied my claim because they want the damaged drone which is obviously lost at sea.” Reddit user u/lfn673q shared a similar frustration: “It was clear to me after two hours on chat that the company has a clear agenda of denying and delaying to avoid coverage.” These reports point to strict adherence to physical return requirements, which can feel inflexible in certain accident contexts.
Cross-Platform Consensus
Universally Praised
Drone and RC toy owners are the biggest beneficiaries. Reddit users and Amazon reviewers repeatedly praise how quickly claims are processed. One Trustpilot highlight noted: “My son’s RTC airplane crashed on the first flight and Asurion refunded me the price… got an email in a few minutes accepting the claim.” These stories often involve the company covering damage clearly within scope — drones hitting poles, RC vehicles breaking arms, or toy helicopters failing after crashes. Parents also value this for children’s electronics; a Twitter/X reaction from “Jason” emphasized: “I have 5 kids… Asurion was quick to handle.”
Even shipping logistics score points. Packaging and prepaid labels are frequently mentioned as making it easier for busy customers, with Amazon reviews crediting “shipping was paid for” and noting refunds arriving within days. For buyers who factor risk into expensive toy purchases, the plan offers “peace of mind” and financial protection. As one verified purchaser put it: “Having insurance is always peace of mind… the claim process was like a breeze.”
Common Complaints
Confusion about coverage terms is a recurring sore point. Some discover post-purchase that misuse or out-of-condition use voids their claim, such as using indoor-rated devices outdoors. The Reddit thread captured this with a moderator noting: “Generally using an indoor product outdoors means it falls outside of normal use.”
Another pain point is the difficulty of filing online claims for certain users. An Amazon reviewer remarked: “They have made it very difficult to file a claim — online process does not work and you will have to dial in to talk to a representative.” Trustpilot entries note months-long replacement processes in rare cases, while others accuse the plan of being “a scam” when denied.
Divisive Features
Coverage scope generates mixed reactions. Some praise generous accidental damage coverage — Reddit user u/ksa e2vb recalled a tent replacement with just photos sent in — while others complain the plan “covers nothing” upon reading the fine print. Buyers of cheap toys see less value; as one Trustpilot summary noted: “First time bought insurance for a toy… waste of money because there’s no one to honor the insurance!” The tension hinges on product cost relative to plan price, and whether claims fall neatly within defined terms.
Trust & Reliability
Concerns over reliability focus less on outright fraud and more on procedural “friction.” A repeated Trustpilot/Fakespot phrase asks: “Is the friction purposeful to make people give up?” There’s anecdotal evidence of Asurion asking for more documentation than expected or redirecting users to manufacturer warranties mid-claim.
At the same time, many long-term Asurion customers defend its track record. One Reddit poster with “extensive experience” called warranty service “amazing” and cited multiple successful claims over the years. This split suggests that reliability depends heavily on strict compliance with coverage conditions, especially return requirements.
Alternatives
The only alternative explicitly mentioned by users was State Farm, suggested by an Amazon reviewer who found it “covers all” scenarios, including lost-at-sea drones, without requiring physical returns. While not a direct retail warranty plan, this comparison highlights that insurer-backed coverage may offer broader flexibility than product-specific plans like Asurion’s.
Price & Value
Pricing varies by product cost bracket — from around $37 for $250–$299 toys to higher rates for $800+ plans. Users generally find the cost worthwhile for items over $250–$300 or those prone to breakage, such as drones. For low-cost toys, the value proposition diminishes; buyers caution that the plan cost can be a high percentage of the item price.
Market data from eBay shows related Asurion gaming protection plans discounted up to 20%, suggesting occasional deal opportunities. Community buying tips emphasize purchasing the plan with the product to avoid eligibility headaches and saving all documentation for smooth claims.
FAQ
Q: Does Asurion cover lost items?
A: No. Multiple users report claims denied if the damaged item cannot be returned, even if destroyed or lost (e.g., drone lost at sea).
Q: Are shipping costs covered?
A: Yes, for approved claims requiring return. Users consistently praise prepaid labels and free return shipping.
Q: Will misuse or outdoor use of indoor devices be covered?
A: No. Customers using products outside their intended environment (e.g., indoor cameras on a porch) have had claims denied as “outside normal use.”
Q: How quick is the refund process?
A: Reports vary from same-day claim approval with gift cards in days, to weeks or months in complex cases. Clear-cut accidental damage claims often resolve fastest.
Q: Is the claim filing process easy?
A: For many, yes — online forms and email updates work as advertised. But some report difficulty locating claim portals or needing to call in.
Final Verdict: Buy if you own high-value, accident-prone toys or drones and can return damaged items; avoid if you need coverage for lost gear or plan to use products outside intended conditions. Pro tip from community: Document product condition at purchase and save all receipts — it can mean the difference between instant approval and drawn-out denials.
