AppleCare+ Theft and Loss Protection Fails to Deliver Promised Seamless iPhone Replacement Experience
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I purchased AppleCare+ with Theft and Loss protection, expecting a smooth claim process if my iPhone was lost or stolen. However, my experience was frustrating and drawn out.
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When I filed a claim after my phone was stolen, Apple passed me off to the insurance company AIG for handling. This led to a back-and-forth process full of delays.
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From start to finish, it took 16 business days to receive a replacement iPhone. The process involved repeatedly submitting documentation and unclear communication.
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Apple's stellar customer service reputation doesn't extend to its insurance partners. Even Apple can't seem to improve the mobile phone insurance experience.
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My experience shows phone insurance, even from top companies like Apple, remains frustrating. I'd now recommend insurance through a bank, rental policy or carrier over AppleCare+ with Theft and Loss.