Question On Apple Products & Extended Warranty Offering From AMEX

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rockyrock
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Postby rockyrock » Sun Nov 24, 2013 2:09 pm

I just bought a new iPhone with my Amex to get the lost/theft coverage. This protection is not offered with AppleCare. I didn't purchase the AppleCare but still have a few weeks to do so if I change my mind. i have never had damage related issues with my phones but I now have a 1 yo walking around that loves electronics...

I also just purchased an iPhone as a gift using my Discover; although I didn't compare the coverage to Amex it seems pretty good. It was also a great way to max out my 5% for the 4th qtr. Not to mention I bought it through the UR Mall so I got 2x UR pts as well :-)
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GoCreditGo!
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Postby GoCreditGo! » Sun Nov 24, 2013 8:59 pm

I thought UR Mall was using Chase. How did you use Discover with it?

rockyrock
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Postby rockyrock » Sat Nov 30, 2013 5:20 pm

GoCreditGo! wrote:I thought UR Mall was using Chase. How did you use Discover with it?


The UR Mall is just a portal; once you get to the target site you can complete the transaction with any card you like. One of the great benefits as I see it.
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samhradh
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Postby samhradh » Sat Nov 30, 2013 8:40 pm

rockyrock wrote:The UR Mall is just a portal; once you get to the target site you can complete the transaction with any card you like. One of the great benefits as I see it.


Not sure I understand what you're saying. As far as I know, UR is not a stand alone rewards program like Big Crumbs or Ebates. UR is Chase's online shopping portal and point redemption site. So, in order to realize any of the bonus points UR offers, you have to pay with a Chase card as that is the account to which the "earnings" are applied. Paying with a Discover means you will not get an extra 2% on your Apple purchase.
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Wildcat_1
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Postby Wildcat_1 » Thu Sep 11, 2014 11:06 am

I know its been a while since i started this thread but we never seemed to round it out whether AMEX would kick in at end of manufacturer warranty (Apple 1 year) or at end of service plan warranty (Applecare 2 years). All are under the 5 year total so hope would be that you get to end of Applecare and then get your extra year (for a total of 3 since purchase). Never got a clear answer from AMEX so am asking them again today but wondered if anyone had any updated experience/knowledge to share on this ?

Thanks all

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Postby Wildcat_1 » Thu Sep 11, 2014 11:32 am

Ok
After I posted this I called again to AMEX assurance and this time got a very helpful individual who explained that AMEX extended warranty DOES kick in AFTER APPLECARE expires (just placing the important in caps). This means that if you buy Applecare on your product (effectively taking it to 2 years) that AMEX would kick in on year 3 for a total of 3 years, WAHOO!!!!

Just wanted to close out the question on the thread and provide an update


Wildcat_1 wrote:I know its been a while since i started this thread but we never seemed to round it out whether AMEX would kick in at end of manufacturer warranty (Apple 1 year) or at end of service plan warranty (Applecare 2 years). All are under the 5 year total so hope would be that you get to end of Applecare and then get your extra year (for a total of 3 since purchase). Never got a clear answer from AMEX so am asking them again today but wondered if anyone had any updated experience/knowledge to share on this ?

Thanks all

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djrez4
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Postby djrez4 » Thu Sep 11, 2014 12:30 pm

Thanks for following up!

I see an iPhone 6 in my future. It will be purchased with Amex.

Let's toss another wrench in the gears:

My understanding is that subsidized phones only receive coverage to the amount paid. So, if I pay $299 for a subsidized 64gb iPhone and drop it, Amex will only cover up to $299 of the replacement cost. Any comment?
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Wildcat_1
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Postby Wildcat_1 » Thu Sep 11, 2014 4:41 pm

Hey DJ, long time, hope all is well !

I don't know for sure but as AMEX Assurance would be asking for the receipt of purchase I am sure you are probably right, i.e. subsidized price is what they cover. This has always been an interesting perplexer in countries where the subsidy is so high in covering the phone. My thought here is that the only option is to cover with insurance so that you get your $299 (in your example) from AMEX assurance and would have to use carrier insurance to cover the GAP piece.

Of course if the issue occurs while under Applecare+ you are covered anyway irregardless of cost, just that 3rd year and beyond that could bite you. Unless of course the phone was stolen but then you should be covered by property insurance.



djrez4 wrote:Thanks for following up!

I see an iPhone 6 in my future. It will be purchased with Amex.

Let's toss another wrench in the gears:

My understanding is that subsidized phones only receive coverage to the amount paid. So, if I pay $299 for a subsidized 64gb iPhone and drop it, Amex will only cover up to $299 of the replacement cost. Any comment?

benhollberg
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Postby benhollberg » Thu Sep 11, 2014 9:23 pm

It is correct that AMEX will only cover the amount charged to their cards. So $299 subsidized phone will will only see $299 in coverage. I will still buy AppleCare+ for its benefits also. Another important thing to note, with AT&T Next and Verizon Edge now uses monthly payments to pay the phone. One Wired reporter said that these $0 down purchases are covered up to the amount paid monthly when a claim is filed. Twitter
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