When you compare iPad insurance, you need to consider several variables to determine the best policy for your needs. Shopping for insurance can quickly become mind-numbing, so I suggest making a chart of important details so that you can accurately compare the various policies.
One of the items you will want to pay attention to is the excess fee, or deductible. This is the amount of money you will be responsible for if you need to file a claim. If the cost to repair the damage does not exceed the deductible, the insurance company will not pay anything. This is the area that will affect your monthly premium amount the most. Many times you can select higher or lower deductible amounts in order to adjust the premium to a level you are comfortable paying.
A second detail to note is coverage while traveling. If you never take vacations or go on business trips, this may not pertain to you. However, I would guess the vast majority of iPad users will take their device on a trip out of state or out of the country at least once in its lifetime. If you do not have travel coverage, you could be out of luck if an accident happens during your trip. Because of this, most policies have at least some travel coverage as a standard offering. If not, be sure you get the coverage added before signing up.
The third thing you should check is that the policy will cover all types of damage to your iPad. Most cover water and physical damage. Although I have seen a few that specify ‘malicious’ damage so it would be in your best interest to ask any questions upfront. With the news lately, you will want to be sure the policy you choose covers manufacturing defects as well. Sometimes these defects will not appear until after the factory warranty expires. Again, without that coverage you would be out of luck if that should happen to you. That is why it is very important to check these details before choosing your insurance provider.
Lastly, ask about the company’s replacement program. If they cannot fix your iPad, how fast can they get you a new one? I have seen some providers that promise replacements as fast as 48 hours. Additionally, if you travel a lot be sure this replacement program will extend to wherever you intend to travel. You don’t want to be away from home and find you can’t get your iPad replaced until you get back!
Hopefully these tips will help you as you compare iPad insurance. By making a chart and filling in the specifics of each policy you will be able to quickly determine the best choice for you. You can find the best balance of price, travel coverage, damage coverage, and replacement time. Once you have your device protected you can fully enjoy its power without worry.