While you first purchase a brand new Apple Watch, you are more likely to watch out to not scratch or break or lose it. Nevertheless, as soon as that newness wears off and also you let your guard down, that miniature iPhone you put on in your wrist can shortly turn into a sufferer to each object you by chance swing your arm into, leading to any type of harm, together with a cracked display screen.
While you’ve already shelled out between $400 and $800 for an Apple Watch, chances are high you are considering twice about paying much more for an prolonged guarantee or insurance coverage. And despite the fact that your watch comes with a restricted one 12 months guarantee, it will not cowl an unintended damaged display screen. For that type of restore, you may want insurance coverage.
Beneath, we have in contrast the prices of getting your Apple Watch repaired with and with out insurance coverage that can assist you determine which kind of insurance coverage, if any, is greatest for you — from AppleCare and insurance coverage out of your cellphone service like Verizon to an insurer similar to Asurion to even your bank card firm. For extra, this is our tackle the brand new iPhone 15 and the brand new Pixel 8.
Learn extra: Is Your Telephone’s 1-Yr Guarantee Actually Sufficient?
Apple guarantee vs. insurance coverage: What is the distinction?
Apple features a restricted one-year guarantee with every Apple {hardware} product you purchase, and that features the Apple Watch. With as many as 200 million watches offered, in keeping with some estimates, that is lots of warranties.
Nevertheless, that free guarantee solely covers “defects in supplies and workmanship.” Here is what’s not coated.
- Batteries or protecting coatings.
- Beauty harm, together with dents and damaged plastic on ports.
- Harm brought on by accident, abuse, misuse, fireplace, earthquake or different exterior trigger.
- Defects brought on by regular put on and tear.
- Loss or theft.
If you do not have insurance coverage, for these sorts of repairs you are by yourself. When you do buy insurance coverage — whether or not by way of Apple or a third-party insurer — the entire above is usually coated on your Apple Watch except for loss or theft. And yow will discover protection for loss and theft too.
Out of pocket restore prices with out insurance coverage for an Apple Watch
Apple Watches aren’t low cost, and neither are the repairs. And restore costs can fluctuate, relying on which mannequin you could have. For example, a restore on an Apple Watch Extremely could run you $499, whereas an Apple Watch sequence 8 restore may value you $299.
When you’re questioning about the fee to repair a cracked display screen, for instance, you will get a restore estimate from Apple. You may must know the precise kind of Apple Watch you could have — for instance, Apple Watch Collection 9 GPS Aluminum 41mm.
Apple Watch restore prices with AppleCare Plus
You may count on to pay a number of hundred {dollars} to restore your Apple Watch with out insurance coverage, however if you buy AppleCare Plus — Apple’s prolonged guarantee and tech assist service that covers unintended damage– the fee goes down considerably.
Word, in most areas and nations you might want to purchase Apple’s prolonged guarantee inside 60 days of your Apple Watch buy. However the buy interval can fluctuate from seven days to a 12 months, relying on the place you reside, so examine your area’s particular timeframe.
Here is how a lot AppleCare Plus protection prices for every Apple Watch mannequin.
- Apple Watch Extremely 2: $5 a month
- Apple Watch Collection 9: $4 a month, with an choice to pay $79 whole for 2 years
- Apple Watch SE: $2.49 a month, with an choice to pay $49 whole for 2 years
- Apple Watch Hermès: $5 a month, with choice to pay $149 whole for 3 years
With AppleCare Plus, you may additionally pay a $69 or a $79 service charge for a restore, relying on the watch mannequin you could have.
- Apple Watch: $69
- Apple Watch Nike: $69
- Apple Watch Extremely: $79
- Apple Watch Version: $79
- Apple Watch Hermès: $79
Apple Watch restore prices with third-party insurance coverage
If you’re searching for one thing past AppleCare, you’ll be able to take a look at protection by way of an insurer. Whereas some provide safety such as you’d get with AppleCare Plus, others have broader plans that cowl all of the tech you could have in your house or condominium.
Only for the watch insurance coverage, Allstate, for instance, affords safety plans by way of retailers based mostly on the price of the watch that cowl unintended harm however not lack of theft. When you store at Sam’s Membership, for instance, you will get two years of safety for $60 for an Apple Watch that prices lower than $400 with no deductible.
As a substitute of insurance coverage particularly on your watch, Asurion affords protection on your complete assortment of in-home tech — together with your TV, laptop computer, gaming console, safety cameras and your Apple Watch — referred to as Residence Plus. Costing $25 a month, the plan covers restore or alternative (as much as $2,000 per declare) with a $99 service charge.
Word, loss and theft aren’t coated, however your home-owner’s or renter’s insurance coverage could cowl that. You can also’t embody your cellphone in there. For that you’re going to need to try Asurion’s cellphone insurance coverage.
Apple Watch restore and alternative by way of cellphone service safety
Your cellphone service may provide Apple Watch insurance coverage. Verizon, for instance, has its Cell Defend plan that goes for $14 to $17 a month and affords free display screen alternative and free watch alternative for manufacturing defects. The plan has $99 deductible for loss or theft.
AT&T additionally affords watch insurance coverage and allows you to insure one system for $14 or $17 a month or bundle as much as 4 gadgets — together with a watch, cellphone, laptop computer or pill — for $45 a month as a part of its Defend Benefit. As with Verizon, along with unintended harm, the plan covers loss and theft.
Do bank cards present insurance coverage?
Some bank card corporations provide extra safety and insurance coverage on new purchases made with their card. For example, some provide safety that insures your new purchases in opposition to harm and theft for as much as 120 days. If one thing occurs inside that point, you’ll be able to file a declare together with your bank card issuer to get the merchandise changed or reimbursed.
It is a good suggestion to examine together with your bank card issuer to see if they provide safety earlier than you make the acquisition.
