Does Apple Care Cover Lost Phone and Theft

Apple Care offers protection against theft, but only if you've purchased the AppleCare+ with Theft and Loss plan. This plan costs an additional $199 for iPhone 13 and iPhone 13 Pro, and $249 for iPhone 13 Pro Max.

If your iPhone is stolen, you'll need to file a police report and provide the report number to Apple to initiate the replacement process. Apple will then replace your iPhone with a brand new one, minus any storage upgrade fees.

Apple Care with Theft and Loss will cover up to two incidents of theft or loss per year, with a $29 deductible per incident. This means you'll need to pay $29 each time you make a claim, and Apple will cover the rest of the cost.

If you don't have AppleCare+ with Theft and Loss, you'll need to contact your carrier to see if they offer any protection against theft. Some carriers may offer coverage, but the terms and conditions will vary.

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AppleCare+ with Theft and Loss is a relatively new addition to Apple's warranty program, covering up to two incidents of accidental damage, including theft or loss. It's not cheap, though - for iPhone XS and iPhone XS Max, it costs $299 up front or $14.99 for 24 months.

You'll need to have Find My iPhone enabled on your device at the time it goes missing to get Apple to honor a replacement. AppleCare+ with Theft and Loss is also available for older model phones like the iPhone 7, 7S, 8, and 8S.

The original AppleCare+ costs $199 for iPhone XS and iPhone XS Max, or $129 for iPhone 7 and 8, but it doesn't include theft or loss coverage. Adding Theft and Loss to AppleCare+ brings the cost to $299 for iPhone XS and iPhone XS Max, or $199 for iPhone 7 and 8.

Replacing a phone with screen damage will cost you an extra $29, while replacing a phone with any other accidental damage will cost $99. If you want to replace a lost or stolen iPhone, it'll cost you an additional $269 for iPhone XS, iPhone XS Max, or iPhone X, or $229 for iPhone XR or iPhone 7 or 8 Plus.

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Here's a breakdown of the costs:

Keep in mind that these costs are in addition to the purchase price of your new iPhone, so be sure to factor that in when deciding whether AppleCare+ with Theft and Loss is right for you.

If your iPhone is covered by AppleCare+ with Theft and Loss, you can file a claim for an iPhone replacement.

To begin the claims process, visit Apple Support or call AppleCare+ at 800-APL-CARE (800-275-2273). You'll need to have paperwork, proof of purchase, and information that confirms your coverage, as well as details about the circumstances of the incident.

AppleCare+ with Theft and Loss is not available in all countries and regions.

To ensure a valid claim, keep the Find My iPhone setting on at all times. If the Find My iPhone setting is not on at the time of the incident, the contract is void, and Apple does not have to replace your phone.

You have 60 days to file a claim after the incident. If you don't, Apple isn't responsible.

Here's a summary of the claims process:

Don't remove your iPhone from Find My or your Apple Account until your claim has been fully approved.

AppleCare+ has specific deductibles for different types of incidents, including damaged screens or back glass ($29), accidental damage ($99), and theft or loss ($149).

If you're considering purchasing AppleCare+, it's essential to understand these deductibles to avoid unexpected costs. For example, if you accidentally damage your screen, you'll need to pay the $99 deductible before AppleCare+ kicks in.

Here's a quick rundown of the AppleCare+ deductibles:

Deductibles can be a bit confusing, but let's break it down. Deductibles are the amount you pay out of pocket before your insurance kicks in.

For example, if you have AppleCare+, the deductibles for different incidents are clearly outlined. Damaged screens or back glass have a deductible of $29.

Accidental damage, on the other hand, comes with a higher deductible of $99. This is something to keep in mind if you're prone to accidents.

Theft or loss is the most expensive deductible at $149. This highlights the importance of taking care of your device.

Here are the deductibles for AppleCare+ in a quick reference format:

These deductibles can add up, so it's essential to consider them when deciding on an insurance plan.

If you've lost your phone and have AppleCare, you can get a replacement phone. AppleCare covers theft and loss, so you can file a claim with AT&T Insurance to get a new phone.

AppleCare+ also offers screen replacement and battery replacement policies, which can be useful if your phone is damaged. AT&T Protect Advantage is another option for cell phone insurance.

If you're looking for the best credit cards that offer cell phone insurance, there are several options available. The Best Cell Phone Insurance guides can help you make an informed decision.

Here are some options for cell phone insurance:

The iPhone 17 Pro lineup offers several options for protection and repair. AppleCare+ with theft and loss protection costs $139.99 annually or $13.99 per month.

If you lose your iPhone 17 Pro within the first year, replacing it will cost $288, which includes a $149 deductible and the cost of the AppleCare+ plan. This is a significant savings compared to the phone's original price.

Replacing the screen on a cracked iPhone 16e costs $129 with AppleCare+, compared to $229 without it. This $100 difference in cost may not be substantial enough to justify the extra expense of the plan.

Replacing the battery on an iPhone 13 costs $89, which is less than the $120 annual fee for AppleCare+. If your main concern is the battery wearing out, it's cheaper to replace it without the plan.

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