The Pros and Cons of Cell Phone Insurance

Getting cell phone insurance seems like an easy decision. How often have you, your friends, or family members accidentally damaged your phones? Accidents are not covered by the one year manufacturer warranty, which leaves you paying for repairs or a replacement out of pocket. Having cell phone insurance coverage through Upsie prevents you from breaking your budget in these unfortunate situations.
However, it’s always better to think through the pros and cons before making a purchase decision. So we’ll do exactly that to help you decide whether an Upsie cell phone insurance plan suits your current needs.

Pro: Keep Out of Pocket Expenses Low

There’s nothing worse than an unexpected expense that throws a wrench in your monthly expenses. But that’s what happens when you accidentally drop your phone on a hard surface or in liquid. Have you seen how much it costs just to replace the screen on your phone? You could be facing as much as $300+ in repairs!
Most people don’t think of other ways a phone can break, too. Aside from accidents, there’s a number of failures that can occur including touch screen, battery, camera and more.
Upsie cell phone insurance removes the pain of a broken phone with their convenient Smartphone Warranty Subscription. For only $9.99 per month, you get coverage for up to five years. There is a $0 deductible for cracked screens (up to a $250 repair), a low $109 deductible for other repairs, and only a $149 deductible for replacements. All you have to do is file a claim 24/7 and the Upsie reps will help you schedule your repair.

Con: You May Never Need Your Insurance Coverage

You might end up as one of the lucky 1-in-4 people who have nothing happen to their phone. However, you should still view the purchase of your Upsie cell phone insurance policy as a protection for your investment. Upsie strives to keep plan prices lower than competitors so you can easily see the value in your warranty purchase.

Pro: It Extends Protection After Your Manufacturer’s Warranty Expires

Have you ever experienced the sinking feeling of your phone malfunctioning just days after your manufacturer’s warranty expires? Upsie never wants you to feel like that again! That’s why their smartphone warranty subscription extends the manufacturer’s warranty for as long as the plan is active.
In addition, Upsie lets you make two claims per rolling 12 month period.

Pro: Get Help Locating a Reputable Repair Provider

Upsie’s 24/7 claims representatives will help you find a local repair shop near you. Or, if there is a shop you want to use, they can get the location approved for you.

Con: You Might Have to Pay a Small Deductible

Upsie knows cracked screens are the most common type of accidental damage, so they get rid of their deductible for them! That’s right, there is no deductible for cracked screen repairs up to $250 in total. If the repair exceeds $250, you will simply have to pay the difference.
For other damage, Upsie representatives will collect a small deductible before the repair to your phone can be made. Comparatively, the amount you pay is a small fraction compared to the typical cost for fixing a device without cell phone insurance.
When you think of it in those terms, you end up coming out ahead savings-wise. This is especially true if your cell phone suffers damage extensive enough to require a complete replacement.

Pro: You Get To Cancel With No Issues

Upsie customers receive a full refund if they cancel within the first 30 days and have not submitted a claim. Otherwise, their smartphone subscription will end at the end of the month. There is no cancellation fee.
Find out more about Upsie insurance policies by calling (877) 844-7745. You can also reach them through Twitter and Facebook.

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