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manhattanmania

macrumors 6502
Jul 9, 2007
285
101
No, I did not get AppleCare+. My credit card has both extended warranty for 1 extra year as well as mobile device insurance for theft/loss/accidental damage for 2 years (pro-rated at 2% depreciation per month).

Check your credit card insurance policies. Here's the policy for my Amex, which covers Watches, iPads, and iPhones:

B. BENEFITS
Subject to the terms and conditions of this Certificate:
1. If your mobile device is lost or stolen, you will be reimbursed the replacement cost, not exceeding the depreciated value* of your mobile device at the date of loss, less a 10% deductible, up to a maximum of $1,000 per insured person.
2. If your mobile deviceis accidentally damaged, you will be reimbursed the lesser of its repair cost or replacement cost, not exceeding the depreciated value* of your mobile device on the date it was accidentally damaged, less a 10% deductible, to a maximum of $1,000 per insured person.
* Depreciated value of your mobile device at the date it was lost, stolen or accidentally damaged is equal to the purchase price less the depreciation cost. Depreciation cost is equal to 2% of the purchase price multiplied by the number of completed months from the date of purchase.
What AMEX card is this and where did you see these terms?
Thanks!
 

EugW

macrumors G5
Jun 18, 2017
14,874
12,854
What AMEX card is this and where did you see these terms?
Thanks!
I'm in Canada and it varies from card to card, but in my case it's an Amex SimplyCash Preferred card.


Mobile Device Insurance7†
When you fully charge or finance the purchase price of an eligible mobile device to your SimplyCash® Preferred Card from American Express, you can be covered for up to $1,000 per insured person, in the event of theft, loss or accidental damage, anywhere in the world. Coverage begins on the date the first transaction related to the purchase of your mobile device is charged to your Card, or on the 91st day following the date of purchase of your mobile device (in order to avoid overlap with the 90-day coverage available to you under your Purchase Protection® Plan Certificate of Insurance), and continues for a maximum of 2 years from the date of purchase.


Note that in the fine print, laptops are specifically excluded.


However, I notice in the US for example, it's called cell phone protection at Amex, so it appears the coverage is different and tablets aren't covered in the US, but check your insurance policies for your non-Amex credit cards. Also, I'm not sure about cellular iPads in the US.


 

ifxf

macrumors 6502a
Jun 7, 2011
604
1,004
I have purchased over 20 Apple electronic products including iphones and ipads. Never purchased apple care and never had a product die or get damaged before its time.
 

mac38728

macrumors member
Mar 21, 2024
74
83
USA
I always get AppleCare+ for anything with a screen—and this is especially true for the M4 iPad Pro 13 inch.

In most cases, I haven’t used it. However, right after my iPad mini 6 passed the one year mark, I dropped it on the tile floor of my bathroom. It struck the tile directly on a corner and the screen shattered. At first, I forgot that I had gotten AC+ for it (because the mini was relatively inexpensive to replace), so I figured I was out the $650 it would cost to replace the mini. But I was REALLY happy to find I did have coverage. Fast forward a couple of days—I had a brand new mini (not a refurb unit) in my grubby little mitts in exchange for the shattered one and all I was out was $50. I was a believer before, but I’m a real believer now!

And unlike @cardfan, I typically get monthly or annual auto-renew coverage and maintain it for as long as I own the device—think of it as battery insurance and peace-of-mind insurance. Although my M4 iPP has replaced my 2018 iPP as my daily driver, I‘m still paying the relatively small monthly amount to keep coverage on the 2018 iPP—and will do so for as long as AAPL will let me. As always, YMMV.
Makes sense for new iPads especially with how thin and expensive they are. But with the 2018 iPad Pro I feel like it’s kind of just wasted money. A refurb unit is a couple hundred dollars and no point in paying for AppleCare when its depreciated so much.
 
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mac38728

macrumors member
Mar 21, 2024
74
83
USA
Yes 100% get it. The M4 iPad is super thin and repairs are outrageous. A $29 screen repair + the $149 for the AppleCare is far cheaper than the $599+ for an out of warranty repair, even if you just broke it once you saved hundreds of dollars. And it covers the Apple Pencil, Magic Keyboard, or Apple folio so thats a plus.
 
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rui no onna

Contributor
Oct 25, 2013
14,915
13,259
Makes sense for new iPads especially with how thin and expensive they are. But with the 2018 iPad Pro I feel like it’s kind of just wasted money. A refurb unit is a couple hundred dollars and no point in paying for AppleCare when its depreciated so much.

Assuming you’re comfortable getting a 3rd party refurb. There’s also the configuration to consider. I’m guessing there are fewer 1TB cellular configs floating around compared to base storage wifi.

I plan on keeping monthly AC+ on my M1 iPP until Apple releases a model I’d be happy to replace it with (non-PWM OLED, preferably with FaceID and significantly better performance than M1).
 
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manhattanmania

macrumors 6502
Jul 9, 2007
285
101
I'm in Canada and it varies from card to card, but in my case it's an Amex SimplyCash Preferred card.


Mobile Device Insurance7†
When you fully charge or finance the purchase price of an eligible mobile device to your SimplyCash® Preferred Card from American Express, you can be covered for up to $1,000 per insured person, in the event of theft, loss or accidental damage, anywhere in the world. Coverage begins on the date the first transaction related to the purchase of your mobile device is charged to your Card, or on the 91st day following the date of purchase of your mobile device (in order to avoid overlap with the 90-day coverage available to you under your Purchase Protection® Plan Certificate of Insurance), and continues for a maximum of 2 years from the date of purchase.


Note that in the fine print, laptops are specifically excluded.


However, I notice in the US for example, it's called cell phone protection at Amex, so it appears the coverage is different and tablets aren't covered in the US, but check your insurance policies for your non-Amex credit cards. Also, I'm not sure about cellular iPads in the US.


Ah, that makes sense. Yeah in US it’s cell phone only. AMEX does extend warranty a year but not for accidental damage like AppleCare.

Thanks
 

EugW

macrumors G5
Jun 18, 2017
14,874
12,854
Yes 100% get it. The M4 iPad is super thin and repairs are outrageous. A $29 screen repair + the $149 for the AppleCare is far cheaper than the $599+ for an out of warranty repair, even if you just broke it once you saved hundreds of dollars. And it covers the Apple Pencil, Magic Keyboard, or Apple folio so thats a plus.
Well, not even counting my most recent iPad Pro purchase, we've had 5 iPads and more than half a dozen iPhones, and have never cracked the screens (or backs) on any of them. So, I'm glad we have never paid for AppleCare on any of them.

OTOH, relatives have given us a few iPhones that got damaged, so it's clear some people are more prone to damaging iDevices than others. And things may change now that our kids are now starting to use iPhones.
 
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NVDA

macrumors regular
Apr 20, 2024
172
370
Shocked how many people fall for the Apple Care scam…I’ve bought three iPhones and three iPads, never once got it. Just be more careful with your devices? iPads depreciate heavily anyways after a couple years why would you insure it? Get a case if you need more than a folio.
 
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Apple_Robert

Contributor
Sep 21, 2012
35,638
52,409
In a van down by the river
Shocked how many people fall for the Apple Care scam…I’ve bought three iPhones and three iPads, never once got it. Just be more careful with your devices? iPads depreciate heavily anyways after a couple years why would you insure it? Get a case if you need more than a folio.
It’s not a scam. Apple clearly defines the price and terms of coverage and some purchase because they like the product.
 

Apple_Robert

Contributor
Sep 21, 2012
35,638
52,409
In a van down by the river
You’re insuring a device like an iPad that depreciates heavily…just in case it gets damaged. Then you still have to pay a deductible. Sorry, that’s a scam.
No. You not liking the product doesn’t equate to a scam if you care about using the proper definition of the word.

Resale value has nothing to do with AC+ as to the product itself.
 

jdavid_rp

macrumors 6502
Feb 25, 2020
325
938
I never got Apple Care. I just try to take care of all my devices and buy them a good case and a screen protector.
 

AZhappyjack

Suspended
Jul 3, 2011
10,183
23,657
Happy Jack, AZ
Shocked how many people fall for the Apple Care scam…I’ve bought three iPhones and three iPads, never once got it. Just be more careful with your devices? iPads depreciate heavily anyways after a couple years why would you insure it? Get a case if you need more than a folio.
Accidents happen. AppleCare is not a scam as much as it is insurance... and all insurance is about managing risk. If you don't think you'll need it, then don't buy it. But no need to trash others who do choose to buy it.
 
Last edited:

AZhappyjack

Suspended
Jul 3, 2011
10,183
23,657
Happy Jack, AZ
You’re insuring a device like an iPad that depreciates heavily…just in case it gets damaged. Then you still have to pay a deductible. Sorry, that’s a scam.
Do you own a car or a house? Do you have insurance on them? Read the contract. You pay a fee for the insurance, and you have a deductible if/when you file a claim.
 

beach bum

macrumors demi-goddess
Oct 6, 2011
8,794
30,946
Philly
You’re insuring a device like an iPad that depreciates heavily…just in case it gets damaged. Then you still have to pay a deductible. Sorry, that’s a scam.
I get AC+ for all of my Apple devices and have only needed to use it twice. The first time was for my 2010 MBP… walked out of the Apple Store with a brand new 2011 with no deductible. The 2nd time, I needed to have the screen replaced on my iPhone for a $29 deductible which was vastly cheaper than having to pay the full repair cost. I may not use it often, but it is better to have than not. Everyone’s priority’s are different though but for me it’s peace of mind for those rare events when accidents/hardware failure, etc happen.
 

NVDA

macrumors regular
Apr 20, 2024
172
370
Do you own a car or a house? Do you have insurance on them? Read the contract. You pay a fee for the insurance, and you have a deductible if/when you file a claim.
Uhhh yeah buddy but those aren’t $500-1000 tablets that can catch fire, get damaged in an earthquake or get wrecked in an accident. What are you going on about?
 
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NVDA

macrumors regular
Apr 20, 2024
172
370
I get AC+ for all of my Apple devices and have only needed to use it twice. The first time was for my 2010 MBP… walked out of the Apple Store with a brand new 2011 with no deductible. The 2nd time, I needed to have the screen replaced on my iPhone for a $29 deductible which was vastly cheaper than having to pay the full repair cost. I may not use it often, but it is better to have than not. Everyone’s priority’s are different though but for me it’s peace of mind for those rare events when accidents/hardware failure, etc happen.
You’re in the red then. Paying for a new screen every 5-7 years is smarter than buying AC+ just in case something happens.
 

NVDA

macrumors regular
Apr 20, 2024
172
370
Accidents happen. AppleCare is not a scam as much as its insurance... and all insurance is about managing risk. If you don't think you'll need it, then don't buy it. But no need to trash others who do choose to buy it.
Is using a case not managing risk? If you’re that clumsy get an otter box and a tempered glass screen protector…
 

AZhappyjack

Suspended
Jul 3, 2011
10,183
23,657
Happy Jack, AZ
Uhhh yeah buddy but those aren’t $500-1000 tablets that can catch fire, get damaged in an earthquake or get wrecked in an accident. What are you going on about?
So it's ok if your homeowners or auto insurance company "scams" you (by your definition), but not Apple?
 

AVBeatMan

macrumors 603
Original poster
Nov 10, 2010
5,967
3,848
Is using a case not managing risk? If you’re that clumsy get an otter box and a tempered glass screen protector…

Screen protector? Don’t get me started. I have always used screen protectors on every iPhone and iPad I’ve ever had until the 15 Pro Max and now the M4 iPad. SO MUCH better without a screen protector. What have I been missing? Screen Protectors. NEVER AGAIN.
 

NVDA

macrumors regular
Apr 20, 2024
172
370
So you battery fails... how will an otter box help in that situation? BTW, in case you missed it, AppleCare is an option... don't buy it if you don't want it. But why bash those who choose to insure their purchase?
Buying a new battery costs less than AppleCare…
 

NVDA

macrumors regular
Apr 20, 2024
172
370
So it's ok if your homeowners or auto insurance company "scams" you (by your definition), but not Apple?
Are you required by law to buy AppleCare, like you are for auto insurance? What kind of example is this lmao
 
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