ASURION Toy Accident Protection Plan Review: 7.9/10 Verdict
When a Reddit user bluntly stated, "these 'insurance' plans are very rarely worth it", it underscored the polarized sentiment around the ASURION Toy Accident Protection Plan, which averages anywhere from 3.8 to 4.6 stars across platforms depending on price tier and duration. After digging deep across Amazon, Reddit, Trustpilot, and other verified sources, the verdict lands at 7.9/10—a product that can feel either like a safety net or a bureaucratic headache depending on your claim experience and the item you insure.
Quick Verdict: Conditional
| Pros | Cons |
|---|---|
| Fast approvals and refunds in successful claims | Some claims denied for “outside normal use” |
| Free shipping on repairs/replacements | Difficult claim filing for some users |
| Coverage for drops, spills, cracks from day one | Delays of weeks or months for resolution |
| 24/7 tech support included | Instances of missing plan confirmation emails |
| Full refunds via Amazon gift card for unrepairable items | Perceived as “waste of money” by unsuccessful claimants |
| Peace of mind for high-value or fragile toys | Not valuable for inexpensive or durable products |
Claims vs Reality
ASURION markets “no additional cost repairs—parts, labor, and shipping included” alongside immediate coverage for portable items against drops and spills. On paper, this sounds reassuring for parents of gadget-loving kids or drone hobbyists. Amazon buyers confirm that in many cases, “shipping was paid for” and “got an Amazon gift card for the cost of the product 4 business days after it was received.”
Yet, while officially promising most claims “approved within minutes,” several Reddit accounts tell a different story. One said their toy “broke right away” but “it took months to get everything lined up.” Another echoed frustration: “difficult locating how to file a claim” despite having the plan visible on their account.
The “easy claims process” is further complicated by exclusions like pre-existing conditions or damage outside “normal use.” This has caught owners off guard—especially when using products outside their intended environment. As a mod warned one user about indoor cameras placed outside, “even under a porch roof, they’re still unprotected from the elements,” meaning claims likely denied.
Cross-Platform Consensus
Universally Praised
For those who suffered genuine accidents within coverage terms, the plan often delivers exactly what’s promised—and quickly. A verified Amazon buyer shared: “I filed the claim online, shipped it out, they couldn’t repair it so I got an Amazon gift card… I will use this protection plan again for sure!”
Drone owners appear to benefit most. One Trustpilot story captured that relief: “Drone hit a branch flying over our brook… within a week… we received a gift card to replace the drone.” Shipping labels arrive fast (“got an email in a few minutes”), customer service is “super helpful,” and there’s appreciation for “peace of mind” when flying expensive devices.
Even small-ticket purchases can justify the plan for certain users. A Quora-sourced review highlights a remote control helicopter crash: “I was skeptical whether this would actually cover it but Asurion came thru!” For families, the subscription plan’s coverage breadth is praised—one Redditor with multiple school-aged kids runs them “on every one of their phones and tablets” because “there isn’t enough allowance… to cover the amount of damage my kids have done.”
Common Complaints
However, the friction when claims go wrong is a recurring sore point. Some Trustpilot reports suggest reps “trying to find a reason to deny claim” before escalation resolves it. And when denials happen, users are often left feeling scammed: “first time bought insurance for a toy… waste of money because there’s no one to honor the insurance!!!”
Delays plague unlucky customers. One Reddit feedback noted months-long processes to replace headphones. Missing confirmation emails of coverage have sparked anxiety, and failure to record plans in the system—“they had no record of my plan even though I could see it on my account”—add to mistrust.
Divisive Features
The plan’s worth is sharply split along product value lines. High-cost, fragile toys or drones see glowing endorsements; inexpensive, durable toys often leave buyers regretting the spend. As Reddit user u/k5epn5y framed it: “these 'insurance' plans often don't cover much” and hinge on tightly defined conditions. Another divisive factor is intent—buyers confident in their ability to care for devices deem it unnecessary, while accident-prone households see it as essential.
Trust & Reliability
Trustpilot and Reddit show patterns where claim denials are perceived as intentional stalling. As one Fakespot snippet warns, “is the friction purposeful to make people give up?” There’s suspicion when initial reps are seen as gatekeepers rather than problem-solvers—prompt escalation to a manager often flips a denial into approval.
Long-term owners who’ve kept plans across several purchases reveal a more complex reality. Regular drone flyers or RC hobbyists describe multi-claim histories with successful outcomes, suggesting reliability improves when your damage clearly fits coverage terms. Still, the skepticism remains strong among those whose products failed in edge-case scenarios or within manufacturer warranty periods.
Alternatives
The clearest competitor mentioned is DJI Care Refresh for drones—a dedicated plan directly from manufacturers. One Amazon reviewer advised: “go with DJI Care Refresh… Asurion is nothing but a grab n go scam” after a denied controller claim. Manufacturer-based protection tends to cover broader scenarios specific to that device, though at potentially higher annual fees.
Price & Value
Market prices vary widely—from under $40 for mid-range toys to over $36.99 for $250-$299.99 items and climbing with device cost. Community advice leans toward purchasing for high-value items with fragile parts or those frequently used outdoors. Resale buyers see little direct value since coverage ties to the original Amazon purchase. Occasional insight from marketplaces like eBay and Algopix confirm niche resale of unused plans but it’s rare and not a primary buying strategy.
Buying tips from Reddit? Save screenshots and receipt emails, take photos on day one to document condition, and know your plan’s start date to avoid coverage disputes.
FAQ
Q: Does the plan cover accidental drops and spills immediately?
A: Yes—for portable devices only, drops, spills, and cracked screens are covered from day one, as long as they occur under “normal use.”
Q: What happens if the product can’t be repaired?
A: You’ll receive an Amazon e-gift card for the purchase price, enabling immediate replacement via Amazon.
Q: Is the plan automatically tied to my Amazon order?
A: If bought alongside your product, yes. If purchased separately within 30 days, it applies to eligible purchases in that window without requiring serial number registration upfront.
Q: Why are claims sometimes denied?
A: Common reasons include pre-existing damage, issues covered by manufacturer warranty, and use outside intended conditions.
Q: How long does a successful claim take?
A: Reports range from same-week turnarounds to a couple of weeks, with free shipping labels and rapid either refund or replacement once approval is granted.
Final Verdict: Buy if you own high-value, accident-prone toys like drones or RC devices, or you’re purchasing for children in active households. Avoid if you’re insuring durable, low-cost items or intend to use products outside their designed environment. Pro tip from community: escalate denied claims with detailed documentation—many rejections turn into approvals upon review.
