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The important distinction is that AppleCare+ is not merely an extended warranty. It extends hardware and battery support, but its main financial benefit is protection against accidental damage. Theft and loss require a different AppleCare plan or AppleCare One.
What AppleCare+ covers
AppleCare+ adds service and technical support after the device’s standard coverage ends. Under Apple’s current U.S. terms, it covers:
- Defects in materials or workmanship.
- An integrated battery whose capacity has fallen below 80% of its original specifications.
- Functional damage caused by an unexpected, unintentional external event, such as a drop or liquid contact.
The accidental-damage benefit is the part most likely to justify the premium. AppleCare+ currently covers unlimited accidental-damage service events while the plan remains active. Older articles that say ordinary AppleCare+ covers only two incidents every 12 months are out of date. Theft-and-loss plans still have annual claim limits. See Apple’s current U.S. AppleCare+ terms and AppleCare+ notices.
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Apple decides whether to repair the device, exchange it for a new or tested replacement using genuine Apple parts, or—in limited circumstances—reimburse you. AppleCare+ does not guarantee that your original device will be repaired. See AppleCare+ U.S. terms, section 3.3.
What it does not cover
AppleCare+ is not a general-purpose insurance policy. It does not cover:
- Lost or stolen devices under ordinary AppleCare+.
- Normal wear and tear or cosmetic damage that does not affect functionality.
- Intentional or reckless damage.
- Fire or earthquake damage.
- Damage caused by another product.
- Data loss or data recovery.
- Preventive maintenance.
Unauthorized opening, modification, or repair can also exclude damage from coverage. If Apple services the device, its terms require the device to be returned with its original parts or Apple-authorized replacement components. See AppleCare+ U.S. terms, section 4.1.
Current accidental-damage fees
You pay the following service fee for each covered accidental-damage event. These amounts exclude tax and are separate from the price of the AppleCare+ plan itself. Source: AppleCare+ U.S. terms, sections 3.3–3.4.
| Device or damage | Service fee |
|---|---|
| iPhone screen-only damage | $29 |
| iPhone back-glass-only damage, where supported | $29 |
| iPhone other accidental damage | $99 |
| Eligible newer iPad screen-only damage | $29 |
| Eligible newer iPad other accidental damage | $99 |
| Other iPad models, other accidental damage | $49 |
| Apple Pencil, Apple Pencil Pro, or Apple-branded iPad keyboard | $29 |
| Mac screen-only or external-enclosure-only damage | $99 |
| Mac other accidental damage | $299 |
| AirPods or Beats | $29 |
| HomePod mini | $15 |
| HomePod | $39 |
| Apple Watch, excluding Ultra, Edition, and Hermès | $69 |
| Apple Watch Ultra, Edition, or Hermès | $79 |
These fees make the type of damage important. A cracked iPhone screen does not automatically mean a $29 repair. That price applies only when the screen is the sole qualifying damage. A bent or dented enclosure, or other damage that prevents the limited repair, can move the claim to the $99 fee.
Back-glass-only repair is not available for the iPhone SE or iPhone models released before the iPhone 12. Express Replacement Service also changes the math: for an iPhone screen-only, back-glass-only, or combined screen-and-back-glass claim, Apple charges the $99 other-accidental-damage fee instead of the $29 limited-repair fee. The same rule applies to eligible iPad screen-only claims handled through Express Replacement Service. See AppleCare+ U.S. terms, including section 6(c).
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AppleCare+ versus theft-and-loss coverage
Ordinary AppleCare+ does not cover a phone left in a rideshare, stolen from a gym locker, or lost on vacation. For that protection, you need AppleCare+ with Theft and Loss or AppleCare One.
AppleCare+ with Theft and Loss allows up to two theft-or-loss claims every 12 months. Find My must be enabled on the device when it is lost or stolen and throughout the claims process. The current iPhone theft-and-loss deductible is $149, so a claim is not a free replacement. Sources: AppleCare+ Theft and Loss documents and Apple Support’s theft-and-loss claim guidance.
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Repair Windows errors before they cause bigger problemsFix Now →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Current U.S. monthly prices for the iPhone theft-and-loss plan range from $7.99 for an iPhone SE to $13.99 for an iPhone Air and the listed Pro and Pro Max models. Annual prices range from $79.99 to $139.99, while 24-month prices range from $149 to $269. The exact price depends on the iPhone model. Source: AppleCare+ with Theft and Loss U.S. disclosure.
Because this benefit is administered through the applicable insurance program, the claim process is different from taking a cracked screen to an Apple Store. Check the deductible and claim limit before treating theft-and-loss coverage as a simple AppleCare upgrade.
AppleCare One: useful for households with several devices
AppleCare One costs $19.99 per month for up to three Apple devices. Additional devices cost $5.99 per month each. It includes AppleCare+ benefits for covered products and, for iPhone, iPad, and Apple Watch, theft-and-loss coverage of up to three total claims every 12 months. Sources: Apple’s AppleCare One announcement and AppleCare legal overview.
Its theft-and-loss deductibles differ from ordinary accidental-damage fees. The current disclosure lists a $149 iPhone theft-or-loss deductible, a $129 iPad deductible, and a $119 Apple Watch deductible. Source: AppleCare One U.S. disclosure.
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AppleCare One can be attractive if you have several expensive devices and would otherwise buy separate plans. It can also cover some devices you already own, subject to Apple’s eligibility and condition checks. Apple says eligible products may include devices associated with your Apple Account, audio products less than one year old, and other Apple devices less than four years old and in good condition. Source: Apple’s device purchase page and AppleCare One eligibility information.
Do not assume every old device qualifies. Check the offer on the device or through Apple’s coverage page before including it in your budget.
How to decide if the plan is financially sensible
Use the plan as an insurance decision, not as a prediction that you will definitely come out ahead.
- Identify the realistic risk. A phone used around water, a Mac carried daily to work, or an iPad used by children has a different damage risk from a desktop Mac that stays on a desk.
- Compare the full cost. Add the AppleCare+ premiums over the period you expect to keep the device to the likely service fee. For example, a qualifying iPhone screen claim would cost the plan premiums plus $29—not merely $29.
- Compare that total with replacement cost. If you could replace the device from savings without taking on debt, self-insuring may be reasonable. If replacement would force you to carry a credit-card balance, insurance has more value.
- Check your alternatives. Read the terms for carrier protection, a credit-card purchase benefit, renters insurance, or a manufacturer plan. Look for deductibles, exclusions, claim limits, depreciation, and whether accidental damage is covered.
- Decide whether theft matters. If loss or theft is your primary concern, ordinary AppleCare+ is the wrong product.
A simple break-even calculation is:
AppleCare+ premiums + service fee < uncovered repair or replacement cost
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Purchase window and how to check eligibility
Apple’s current U.S. guidance generally allows AppleCare+ to be added within 60 days of buying a new eligible Apple device. Theft-and-loss coverage is also generally available within 60 days for eligible iPhone, iPad, and Apple Watch purchases. AppleCare One can be started with a new device or, if not purchased at checkout, within 60 days through an eligible Apple device. Source: Apple Support’s guidance on adding AppleCare coverage.
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On a current iPhone, iPad, Mac, or Apple Vision Pro, check:
Settings → General → AppleCare & Warranty → select the device → follow the onscreen instructions
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Apple’s older iPhone interface may instead show Settings → General → About → AppleCare+ Coverage Available. Labels can vary by device and software version. You can also use Apple’s online Check Coverage tool. Sources: Apple Support: Buy an AppleCare plan in Settings and Apple Support: Add AppleCare coverage.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Billing and cancellation details
Monthly and annual AppleCare plans automatically renew until canceled. If Apple cannot collect a payment and the missed payment is not corrected, coverage can cease from the payment due date. Source: AppleCare+ U.S. terms, sections 2 and 9.
For a recurring plan billed through Apple, go to:
Settings → [your name] → Subscriptions → select the AppleCare plan → Cancel Subscription
If the plan was purchased through a wireless carrier or another reseller, cancellation generally has to be handled through that provider. A plan that does not appear in Subscriptions may not yet be linked to the correct Apple Account. Sources: Apple Support: Cancel an Apple subscription, Apple Support: If you can’t find your AppleCare plan, and Apple Support: Cancel AppleCare coverage.
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Service limitations that affect the value
Service may be carry-in, mail-in, Express Replacement Service, do-it-yourself parts service, or onsite service in some locations. Availability depends on the device, damage, parts, and service location.
Express Replacement Service may require a credit-card authorization until you return the original device or part. Failing to return it—or returning an ineligible item—can result in a charge for the authorized amount.
International service is not guaranteed. Apple may restrict service to the country where the device was purchased. Service abroad can involve different parts, comparable replacement products, shipping, customs, taxes, and local fees.
AppleCare+ technical support covers the current supported software version and the prior major release. It does not cover third-party products, beta or preview software, data recovery, or recovery and reinstallation of your personal data. Sources: AppleCare+ U.S. terms, sections 3.5, 4.2, and 6.
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Who should buy AppleCare+?
AppleCare+ is easier to justify when:
- You have a history of cracked screens, drops, or liquid accidents.
- You carry or use the device in high-risk environments.
- You cannot comfortably pay for an unexpected repair or replacement.
- You own a costly Mac or iPad, where a serious repair fee could be substantial.
- You want predictable access to Apple support and service.
It is harder to justify when:
- The device is inexpensive or already near the end of its useful life.
- You use a sturdy case and have a strong record of avoiding damage.
- You have enough emergency savings to replace it without borrowing.
- Another policy already covers the same risks at a lower total cost.
- You mainly want protection against theft but are considering ordinary AppleCare+.
FAQ
Does AppleCare+ cover unlimited repairs?
Current U.S. AppleCare+ terms cover unlimited accidental-damage service events while the plan remains active. You still pay the applicable service fee for each event, and Apple’s exclusions and service decisions apply. See Apple’s current U.S. terms.
Does AppleCare+ cover a lost or stolen iPhone?
Ordinary AppleCare+ does not. You need AppleCare+ with Theft and Loss or AppleCare One, and theft-and-loss claims require Find My to be enabled as required by Apple’s claim process. See Apple Support’s theft-and-loss claim guidance.
Is every cracked iPhone screen a $29 repair?
No. The $29 fee applies only to qualifying screen-only damage. Additional damage, such as a bent or dented enclosure, can result in the $99 other-accidental-damage fee. Express Replacement Service can also trigger the $99 fee. See AppleCare+ U.S. terms.
Can you add AppleCare+ after buying an Apple device?
Apple’s current U.S. guidance generally allows eligible new devices to be enrolled within 60 days of purchase. Check Settings → General → AppleCare & Warranty or Apple’s online coverage guidance because eligibility varies by product and condition.
The Bottom Line
Buy AppleCare+ when the device’s repair or replacement cost would strain your finances and your real-world damage risk is meaningful. Treat the premium and each service fee as a combined cost, and do not confuse ordinary AppleCare+ with theft-and-loss insurance. If you can replace the device from savings and rarely damage electronics, keeping the premium in your emergency fund may be the better financial choice.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
