Bottom line: do not ever ever get this insurance unless you are absolutely sure you can navigate through their shady business procedures.
If you want the short and simple, ignore my story
My tips for you:
1) make sure you read the contract agreement
Asurion only covers the phone you first sign up with. The conditions are you have to be using that phone (kinda obvious) and that it's the phone you bought from your provider.
2) take a picture of the back of your phone w/o the battery & cover, it has to display the IMEI # clearly.
This is one of the accepted 'proof of ownership' they accept. I lost my phone so I didn't have this option.
3) call and make sure they get all your documentation, do not let them push you around
They are shady, read the asurion reviews of people who worked there. Most of them will tell you how Asurion workers are told to lie to customers.
4) make copies of your documents and keep them on file with all your information (claim id etc), this makes the process faster.
My story:
Asurion has gotten worse. The first time I lost my phone, there were hardly any hassles or problems, and they replaced my phone quickly. However, now that the economy is getting worse, they're beginning to show their true colors. I filed a phone claim, which is usually done online and over the phone. However, they decided to have me fill out a hardcopy and either fax it in or mail it in. I don't have a fax machine, and it costs $2 per page to fax at UPS, so I mailed the documents. I waited a while and called back to find that everything checked out except my proof of ownership.initially I considered this my fault and resubmitted the application along with the requested documentation. They wanted the IMEI number on the back of the phone, but apparently simply giving that number over the phone is not good enough. I spent a hour at a t-mobile store trying to something acceptable, and got a device history, which was 'acceptable' by T-mobile sales associate standards, I faxed that over. Hours later, I was rejected, saying that those forms were incorrect. I got a store receipt and faxed that over twice, both times stating that they did (the 'documentation' department) did not receive such documents. I finally did it a third time. Hours later I got a call back, and in my mind I believed I'd finally made it through, but no, some other person tells me that I've been filing for a different phone, a razor or some such phone I've never owned or used. I correct the person, he comes back and says nokia n75, I corrected him AGAIN, and finally he comes back saying that the phone claim I filed for was rejected again. Not only that, but because I had filed more than 2 times, they will not accept anymore phone claims for the lost phone... That's very shaddy.
Keep in mind this was about the 10th time I called, and the 15th person I'd spoken with. Finally after being frustrated out of my mind, I was transferred to the CSO, apparently the highest authority figure in the company (turns out Kenya was her name and she 'spoke on behalf' of the CEO). Her statement was that I should have read the contract more carefully and that they couldn't replace my phone, and that they would not accept anymore claims from me. Also, I had switched my phone, which they didn't cover. They had to wait an entire month to tell me that oh, by the way, your phone is uninsured. I went through all of that crap for nothing, essentially. I also lost a years worth of insurance money (like $70) because their premium is non-refundable. Wtf
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