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[Q] Galaxy S5 Insurance

14th May 2014, 05:29 PM   |  #1  
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Did you get insurance on your galaxy S5?

If so, which insurance did you choose and why?

I got the square trade insurance offered at Sam's Club for $99 w/ a $65 deductible. The thing that sold me on them is they don't send refurb phones. However they do not cover lost or stolen. I'm curious if I've made a good choice because I still have 27 days to get a full refund.
14th May 2014, 06:16 PM   |  #2  
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Quote:
Originally Posted by jlandry287

Did you get insurance on your galaxy S5?

If so, which insurance did you choose and why?

I got the square trade insurance offered at Sam's Club for $99 w/ a $65 deductible. The thing that sold me on them is they don't send refurb phones. However they do not cover lost or stolen. I'm curious if I've made a good choice because I still have 27 days to get a full refund.

Sprint covers lost or stolen.

They used to replace phones under warranty (without T.E.P.) for $35.00 now it's $75.00
With T.E.P. and under warranty replacement is free (but could be a refurb).

If lost or stolen I think it's $150.00 deductible. Or if it's out of warranty.

How long is Sam's $99.00 warranty cover (a year)?

Best Buy is only a $1 cheaper/mo. Does not cover lost or stolen. Broken Screen is $150.00 deductible. Yikes.
I think Best Buy won't give you refurb either.
14th May 2014, 06:26 PM   |  #3  
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Quote:
Originally Posted by mswlogo

Sprint covers lost or stolen.

They used to replace phones under warranty (without T.E.P.) for $35.00 now it's $75.00
With T.E.P. and under warranty replacement is free (but could be a refurb).

If lost or stolen I think it's $150.00 deductible. Or if it's out of warranty.

How long is Sam's $99.00 warranty cover (a year)?

Best Buy is only a $1 cheaper/mo. Does not cover lost or stolen. Broken Screen is $150.00 deductible. Yikes.
I think Best Buy won't give you refurb either.

The square trade warranty is for 2 years.

Are you sure that replacement is free? Last year w/ my S4 the screen got destroyed and I had to pay $190 just to get a new one. And Sprint told me they couldn't even help me, that I had to file a claim w/ an external company (Assurion I think). The phone I got was a refurb, which I was very angry with. I pay $190 for a REFURB?!

However, I do not like that square trade does not replace lost or stolen. Afterall, thieves today are more active than ever. They do offer an app, however that will locate your phone. But like any thief steals a phone and leaves it on.
14th May 2014, 10:55 PM   |  #4  
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Quote:
Originally Posted by mswlogo

Sprint covers lost or stolen.

If lost or stolen I think it's $150.00 deductible. Or if it's out of warranty.

$200 deductible. We dropped our TEP on all our phones and are saving $60 a month. Insurance (for sure TEP) is a sucker's game and it took me forever to figure that out. $200 deductible plus $13 a month for TEP over 24 months??? Just buy a N5 brand new and you've saved money. We now have 2x S3's as backup phones we're hanging on to since they were such good phones in case we have to send back to Samsung for repair.
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14th May 2014, 11:06 PM   |  #5  
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Take a look at the Wells Fargo credit card protection: https://www.wellsfargo.com/credit-ca...ne-protection/

It looks like pay your full bill for 3 months on their card and you are covered for no premium with a $25 deductible with a lot of small print. I just found out about it so I haven't hit my 3 months yet or made a claim to report my experience.
15th May 2014, 01:32 AM   |  #6  
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Quote:
Originally Posted by jlandry287

The square trade warranty is for 2 years.

Are you sure that replacement is free? Last year w/ my S4 the screen got destroyed and I had to pay $190 just to get a new one. And Sprint told me they couldn't even help me, that I had to file a claim w/ an external company (Assurion I think). The phone I got was a refurb, which I was very angry with. I pay $190 for a REFURB?!

However, I do not like that square trade does not replace lost or stolen. Afterall, thieves today are more active than ever. They do offer an app, however that will locate your phone. But like any thief steals a phone and leaves it on.

Well I just got a new M8 for free. Was past 14 days. Without T.E.P. He said it would have been $75.00

Broken screens might be different because that's not a manufacture warranty claim.

I had dropped buying T.E.P. as well for past few years until my M8 died and they said I still had time to add it and get replacement for free.
15th May 2014, 05:45 AM   |  #7  
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Got our phones thru costco,
Square Trade was $100 for 24 months with $50 deductible.

Sent from my Rooted Sprint GS5 SM-G900P
15th May 2014, 04:55 PM   |  #8  
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I use SquareTrade. Sprint TEP is simply too expensive.
26th May 2014, 03:02 PM   |  #9  
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Never have I thought about other insurance providers for the phone other than Asurion, but to cut the cost in half with others?

I've already had to pay a $200 deductible for a replacement, would be nice to not have to spend that much again...

Anyone already previously use companies like SquareTrade? What's your experience? Do they cover lost phones?

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