ASURION Toy Accident Protection Plan Review & Verdict
A surprising divide exists among customers of the ASURION Toy Accident Protection Plan, with satisfaction scores ranging from glowing 5-star praise to frustrated 1-star warnings. Across multiple price tiers and durations, aggregated ratings land between 3.7 and 4.5 out of 5, translating roughly to an overall verdict of 7.8/10. While many users celebrate quick payouts and hassle-free claims, others accuse the company of denial tactics and opaque terms.
Quick Verdict: Conditional Buy
| Pros | Cons |
|---|---|
| Fast claim approvals for many users | Claims denied for “wear and tear” or usage outside “normal use” |
| Full refunds or replacements when repair not possible | Difficult online claim process reported by some |
| Coverage includes drops, spills, cracked screens for portable items | Inconsistent communication and missing plan confirmations |
| Affordable for high-value or fragile items | Frustration with delays and perceived “scam” behavior |
| 24/7 expert tech support availability | Not all damage types covered (e.g., outdoor use of indoor items) |
Claims vs Reality
Marketing materials promise “no additional cost” repairs with parts, labor, and shipping included, plus coverage from day one for accidental damage on portable items. The official description emphasizes an “easy claims process” with approvals “in minutes.”
Digging deeper into user reports, that “easy” process holds true for some. A verified buyer on Amazon noted: “Quick and easy to put in claim online. Got a full refund on a toy that stopped working.” Similarly, Reddit user u/ksaE2vb shared: “I bought a $250 tent… they refunded me after sending pics. Definitely not a scam.”
However, multiple accounts contradict the universal ease claim. Reddit user u/lfn673q complained: “Two hours on a chat… they have a clear agenda of denying and delaying.” Trustpilot reviews show similar friction: “First time bought insurance for a toy… waste of money because there’s no one to honor the insurance!”
While officially covering “normal use” accidents, the plan excludes scenarios like using indoor products outdoors. A Reddit mod clarified to one user asking about porch-mounted indoor cameras: “That would fall outside of normal use.” This exclusion has caught some buyers off-guard.
Cross-Platform Consensus
Universally Praised
Across Amazon, Reddit, and Trustpilot, users who experience genuine product failure under covered conditions often report smooth resolutions. A verified buyer wrote: “Broken RC truck… they refunded the money on a gift card instantly.” These cases highlight the plan’s value for parents of young children, where damage is frequent. Reddit user u/kdhuthx remarked: “We have made three claims and they were paid immediately. Totally worth it to us.”
Drone owners also find relief when accidents occur. An Amazon reviewer recounted: “Drone hit a branch… within a week we received a gift card to replace it.” For hobbyists flying expensive equipment, the protection plan’s quick replacement policy can save hundreds of dollars.
Even customer service earns praise when functioning well. A Trustpilot-highlighted case described: “Customer support staff was super knowledgeable and fast to help me resolve the claim.”
Common Complaints
The most persistent frustration centers on claim denials. Many say their damage was deemed “wear and tear” or “abuse,” terms some feel are vague. A Trustpilot user vented: “They make up a reason to not pay and that is it. Been trying for 2 days to send it out to them.”
Online filing systems also draw criticism. One Quora-sourced review stated: “Online process does not work… you will have to dial in to talk to a representative which takes a long time.” For tech-savvy customers expecting streamlined digital service, this is a notable disappointment.
Communication gaps appear in multiple reports—customers claiming they never received plan confirmation emails, leading to confusion at claim time. For example, an Amazon reviewer lamented: “I have never received the protection plan or an email… very disappointed.”
Divisive Features
The affordable pricing divides opinion. Some see it as “worth it” for costly toys or drones that are prone to breakage. Others argue it’s a “waste of money” for cheap or low-risk items. Reddit user u/k5epn5y summarized skepticism: “These ‘insurance’ plans… often don’t cover much, and commonly deny coverage.”
The “Complete Protect” subscription model, which covers multiple purchases, earns loyalty from frequent Amazon shoppers but is irrelevant for occasional buyers. Parents with multiple devices appreciate broad coverage, as one Redditor noted: “There isn’t enough allowance in their lifetimes to cover the amount of damage my kids have done to tablets and laptops alone.”
Trust & Reliability
Concerns over legitimacy appear regularly. One Amazon reviewer accused: “They are a scam, don’t add.” Yet, others insist the opposite. Another drone owner wrote: “Trust me, they’re legit! Submitted a claim… within 24hrs got a return label. Another 72hrs later, I received a gift card.”
Long-term users report sustained satisfaction. Reddit user u/l51bqlv shared: “Extensive experience with Asurion warranties… their warranty service was amazing.” This suggests reliability is situational—claims within clearly covered scenarios tend to succeed, while edge cases risk denial.
Patterns from Trustpilot show denial disputes often resolved after escalation to a manager, hinting at inconsistent first-line support but better results higher up.
Alternatives
Within user data, DJI Care Refresh emerges as a competitor for drone coverage. One Amazon buyer advised: “Go with DJI Care Refresh. Asurion is nothing but a grab n go scam.” DJI’s manufacturer-backed plan may appeal to brand-loyal drone pilots, while ASURION’s advantage lies in multi-product coverage for diverse purchases from Amazon.
Price & Value
Prices vary by item value and plan duration, from under $50 for inexpensive toys to over $36 for mid-range electronics and higher for costly drones. For high-value, damage-prone products, community consensus leans toward purchasing. As one Trustpilot reviewer said: “Worth the purchase price… we have yet to have a drone make it 1 year.”
Resale value is irrelevant here, as plans are tied to the original buyer and product, but buying tips from Reddit stress getting the plan at purchase or within 30 days, and documenting product condition upon arrival to avoid disputes.
FAQ
Q: Does the plan cover outdoor use of indoor products?
A: No. As Reddit moderators clarified, using products outside their intended environment falls outside “normal use” and is excluded.
Q: How quickly are claims processed?
A: Many users report approvals within minutes to a few days. However, some experience delays, especially when online systems fail, requiring phone calls.
Q: What happens if repair isn’t possible?
A: ASURION typically issues an Amazon e-gift card for the purchase price or provides a replacement, as confirmed by multiple satisfied customers.
Q: Can I buy the plan after purchase?
A: Yes, within 30 days of the product purchase. It will be linked to your Amazon account without needing immediate serial number registration.
Q: How to improve chances of claim approval?
A: Document product condition at delivery, save receipts, and ensure damage fits covered scenarios (e.g., accidental drops, not misuse).
Final Verdict
Buy if you own high-value, fragile, or accident-prone toys, drones, or electronics—especially if you have kids or engage in activities where drops and spills are common. Avoid if your item is low-cost, already has manufacturer or credit card coverage, or is used outside intended conditions.
Pro tip from community: Escalate denials to a manager with clear documentation; many disputes resolve successfully at that stage.
