AppleCare Plus vs. AT&T Insurance

Deciding on the best way to protect your new iPhone? You’re likely weighing the options between AppleCare Plus and AT&T’s insurance plans. With your shiny gadget in hand, you might ponder over advertisements for AppleCare Plus or consider your carrier’s offering. Let’s dive into what each plan has in store for your tech treasure.

AppleCare Plus: A Closer Look

AppleCare Plus isn’t just a warranty; it’s peace of mind direct from the mothership of your iPhone. You can sign up for it right from your phone’s settings, making it a convenient option within the first 60 days of your purchase.

  • Location Convenience: Proximity to an Apple Store can be a clincher in favor of AppleCare Plus. It means face-to-face interaction and quick services at Apple’s retail locations.
  • Plan Varieties: AppleCare Plus offers a basic repair plan and a theft and loss plan. Your choice depends on how you value your device’s safety against these risks.
  • Cost and Coverage: Your expenses vary with your iPhone model and the plan’s duration. However, expect full repair services, including accidental damage, with a fixed fee for each service.
  • Extra Support: AppleCare Plus also steps in with customer support for your iOS, which can be a boon for any software-related queries.

AppleCare Plus Pricing Table

AppleCare Plus PlanMonthly CostCost Over Two Years
iPhone 14 Pro/Pro Max (with Theft and Loss)$13.49$269
iPhone 14 Plus (with Theft and Loss)$12.49$249

AT&T’s Protect Advantage: What’s on Offer?

AT&T throws in a mix with its Protect Advantage insurance plans. Whether you’re a singleton with a single device or a pack leader with multiple gadgets, there’s a plan to suit your portfolio.

  • Diverse Coverage: AT&T’s insurance plans cover a gamut of mishaps including repairs, battery issues, and even theft and loss.
  • Extra Perks: Beyond the basics, AT&T sprinkles in benefits like next-day device replacement and unlimited photo storage — perks that add value to some.

AT&T vs. AppleCare Plus at a Glance

AppleCare PlusAT&T Insurance
CoverageAccidental damage and malfunctionsAccidental damage, theft, and loss
ClaimsTwo claims per 2 yearsTwo claims per year

Pros and Cons: The Deciding Factors

AppleCare PlusTwo-year coverage with quality support.Unlimited accidental damage repairs with service fees.Does not cover theft or loss unless you opt for the higher plan.Repair services can sometimes be time-consuming.
AT&T InsuranceLower initial monthly cost.Includes theft, loss, and damage coverage.Allows two claims annually, offering a bit more flexibility.Higher deductibles on damage.Use of third-party parts for repairs which may affect quality.


When the dust settles, the choice is clear. AppleCare Plus wins for those who value quality repairs, direct support, and reasonable deductibles. However, it’s important to note that AppleCare Plus may not be the universal choice for everyone. Those looking for theft and loss coverage, or with multiple devices, may find AT&T’s broader coverage more appealing despite the higher deductibles.

In the end, your decision may boil down to personal preference, device usage, and whether you prioritize quality repairs over potential cost savings on premiums. But with the facts in hand, you’re better equipped to make the choice that’s right for you and your iPhone.


1. Is it worth getting AppleCare+?

There’s really no right or wrong answer about whether you should pay for AppleCare+ coverage. It’s all about how much risk you’re willing to assume. But the higher the price of the device, the more it might make sense to pay for a little peace of mind.

2. How much does AT&T charge if you have insurance?

AT&T Mobile Insurance program details. $8.99 per mobile number enrolled. Two claims within any consecutive 12 months with a maximum device value of $2,500 per occurrence.

3. How many times can you use AT&T insurance?

Includes AT&T Protect Insurance for 1, Protect Extended Service Contract for 1, ProTech app, Photo Storage app and ProTech support for the enrolled eligible device. Insurance Claim Limits: Maximum of 3 claims within any 12 consecutive month period with a maximum device value of $3,500 per occurrence.

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