More and more smartphone users are considering phone insurance these days. With how much we rely on our devices, the chances of damage, theft, or loss just keep going up! What started as a safety net in the late 2000s has become a smart way to protect ourselves from those unexpected expenses.
Knowing when and why to get phone insurance can help you make smart choices about protecting your device. It lets you stay connected without worrying about those expensive repair or replacement bills!
When purchasing a new Apple device, insurance is often the last consideration that comes to mind. But no one can predict an accident. Having insurance for your devices can mean the difference between paying a lot for repairs or only spending a little to replace them.
Protect Plus vs. Apple Device Standard Warranty
When considering device protection options, it’s essential to understand the differences between Protect Plus and the Apple Device Standard Warranty. Each program offers unique benefits and coverage levels tailored to meet varying needs. Evaluating these options will help ensure that you select the most suitable protection for your device.
After you buy a new device, you usually get a basic warranty that covers hardware defects and manufacturing issues for about a year. Just a heads-up, though—this warranty doesn’t cover accidental damage like cracked screens or liquid spills, and it has its limits in both scope and duration.
On the other hand, Protect Plus offers more comprehensive coverage. It not only includes protection against accidental damage but also theft and loss, providing peace of mind for users who want an additional layer of security for their investment.
Power Mac Center, in partnership with Chubb Insurance, provides the security you need to protect you from unforeseen circumstances so that you can use your new device to the fullest without worry.
So, why should you get the Protect Plus?
Maximum of 2 Years Coverage
With Protect Plus, you’ll get additional years depending on the plan you will avail, with a maximum of 2 years. With such a long period, you never know when an accident may occur, no matter how careful you are.
Another good thing here is that you can pay for the insurance in installments, and it will immediately take effect upon activation. The amount varies per device and further depends on which series you have. For example, the amount will be different between an iPhone and a MacBook, and between an iPhone 15 and an iPhone 12.
You can check the insurance costs in the Protect Plus table.
Protect Plus Coverage Inclusions
Theft and Robbery
Theft and robbery has always been present in the Philippines, and it’s become a typical cause of worry for a lot of people. As our economy changes and more folks are using smartphones, these devices have become prime targets for thieves. Everyday situations like commuting or dining out can leave us vulnerable, and it’s frustrating to see opportunistic criminals taking advantage of unsuspecting individuals.
For many Filipinos, losing a valuable device is not just about the item itself, but also the stress of having to replace it. That’s where Protect Plus insurance comes in! It gives you peace of mind knowing you’re covered against these unfortunate events, so you can enjoy your devices without constantly worrying about theft.
Shield yourself from these situations with Protect Plus! Not only will you have 24/7 prioritization once you’ve availed but will also have a hassle-free experience of replacement for quick recovery. Your iPhone probably has important files and data you’ll want to recover as soon as possible.
In addition, your family or beneficiaries are entitled to the following:
- ₱100,000 compensation in case of a loss of life due to theft,
- ₱5,000 for in or out-patient treatments in case of hospitalization arising from theft or robbery.
Accidental Damage
We’ve all been there—accidentally dropping our device and watching in horror as it hits the ground or spilling a drink and seeing it get soaked in water. These moments can instantly turn your day upside down, leaving you worried about the potential damage and repair costs.
Accidental Damage includes but is not limited to water and screen damages, which are two of the most expensive repairs. It's crucial to take preventive measures to protect your devices and avoid these costly issues. Professionals even say that getting a screen repaired is almost as expensive as just getting a new one. So, getting insurance for such events is a game changer as you'll be covered and may spend cheaper than without it.
Important Notes
- Protect Plus insurance is applicable for customers ages 18 to 75 years old.
- You should have an active Power Mac Center Account to be able to purchase online.
- The device should be genuine and purchased from Power Mac Center or The Loop.
- The premium depends on the type of device.
- Protect Plus can be enrolled up to 14 calendar days from the date of purchase.
- Does not extend the duration of the initial Apple warranty.
- Protect Plus can be included with your device as a gift for someone else.
- The duration of the coverage cannot be extended once it expires.
- Does not include packaging and accessories.
- Chubb Insurance will pay the Diagnostics fee if the claim has been approved, and the customer should, if not.
How to Make a Claim
If you discover any damage, just head over to the Chubb Claims Service Portal, give the Protect Plus Hotline a call at (632) 7756 5411, or use the toll-free number 1-800-8-7565411. You can also shoot an email to ProtectPlus.PH@Chubb.com—just make sure you do this within seven days of finding the damage!
If you’re filing an accidental damage claim, Chubb has you covered for the diagnostic fee and repair costs. Just remember, once your claim is approved, you'll need to pay a participation fee, which is 20% of what you originally paid for the device. For more details read the full guidelines of Protect Plus.
So Yes, Phone insurance is worth getting
At the end of the day, you’re buying the peace of mind that it brings. Protect Plus offers essential coverage for your devices, addressing both theft and accidental damage concerns. With extended protection options and a hassle-free claims process, you can ensure your investment is safeguarded. Don't leave your device's security to chance—consider Protect Plus to enjoy peace of mind and full functionality.
For tips on preparing your Apple device for service, check out our guide on Things to do to prepare your Apple Device for Service.
