AppleCare+ with Theft and Loss offers peace of mind for iPhone owners. This extended warranty plan covers not just accidental damage but also theft and loss. You can file a claim for a replacement iPhone if yours is lost or stolen, subject to certain conditions and fees.
The plan provides up to two incidents of theft or loss coverage every 12 months. It’s an upgrade from the standard AppleCare+ and can be especially valuable if you live in an area with high theft rates or tend to misplace your devices.
Before deciding if this coverage is right for you, consider the cost and your personal risk factors. Here’s a quick comparison of AppleCare+ options:
| Feature | Standard AppleCare+ | AppleCare+ with Theft and Loss |
|---|---|---|
| Accidental damage | Covered | Covered |
| Theft/loss | Not covered | Covered (2 incidents/year) |
| Cost | Lower | Higher |
| Deductible for replacement | N/A | Applies |
Apple devices are valuable — and unfortunately, they can also be lost or stolen. To give users peace of mind, Apple offers AppleCare+ with Theft and Loss, an optional protection plan that goes beyond standard AppleCare+.
This guide explains what’s included, how it works, and what you should know before buying.
🔎 What Is AppleCare+ with Theft and Loss?
AppleCare+ is Apple’s extended warranty and damage protection plan. The Theft and Loss version adds coverage if your iPhone, iPad, or Apple Watch is lost or stolen.
- Covers up to 2 incidents per year (AppleCare+) or up to 3 incidents per year (AppleCare One, where available) (source: Apple Support).
- Each incident requires a deductible (service fee), which varies by device model.
- You must have Find My enabled on your device at the time it’s lost or stolen to qualify for a claim.
📋 What’s Covered?
✅ Loss or theft of your iPhone, iPad, or Apple Watch
✅ Accidental damage (like drops or liquid damage)
✅ Battery service if performance falls below 80%
✅ Hardware issues not caused by unauthorized modifications
❌ What’s Not Covered?
- Devices without Find My turned on
- More than the allowed number of incidents per year
- Lost/stolen devices if you can’t provide proof of ownership or disable the old device in Find My
- Accessories (like AirPods or cases) unless specifically included in your plan
💰 How Much Does It Cost?
- The monthly or upfront cost depends on your device model and country.
- Each theft/loss claim has a deductible (e.g., for iPhone 15 Pro in the U.S., it’s typically around $149–$269 per incident).
- Taxes may apply.
🛠️ How to File a Theft or Loss Claim
- Go to Apple’s Claims Page.
- Sign in with your Apple ID.
- Confirm your AppleCare+ with Theft and Loss coverage.
- File a claim and pay the deductible.
- Apple will arrange a replacement device.
👉 Important: You’ll need to erase your old device from Find My before Apple issues a replacement.
⚖️ Is It Worth It?
AppleCare+ with Theft and Loss is most useful if:
- You often travel or use your device in public spaces.
- You’ve lost or had a phone stolen before.
- You want peace of mind knowing theft is covered, not just accidental damage.
If you rarely lose devices and always keep them insured through another provider, the standard AppleCare+ may be enough.
✅ Key Takeaways
- AppleCare+ with Theft and Loss covers lost or stolen devices in addition to accidental damage.
- Coverage is limited to 2–3 incidents per year, with a deductible per claim.
- Find My must be enabled to qualify for theft/loss coverage.
- It can be a valuable safety net if you rely heavily on your iPhone or travel often.
Understanding AppleCare+ and Theft and Loss Coverage
AppleCare+ with Theft and Loss offers extended protection for your iPhone. This coverage includes repair services and replacement options if your device is stolen or lost.
What Is AppleCare+ with Theft and Loss?
AppleCare+ with Theft and Loss is an extended warranty and insurance plan for iPhones. It builds on standard AppleCare+ by adding theft and loss protection. You get up to two incidents of theft or loss coverage every 12 months.
The plan covers accidental damage, battery service, and priority tech support. For theft or loss claims, you pay a deductible based on your iPhone model. Taxes may apply to the deductible amount.
What Does Theft and Loss Coverage Include?
Theft and Loss coverage lets you file a claim if your iPhone is stolen or lost. You can get a replacement device for a fraction of the full retail price. The deductible for theft or loss claims ranges from $149 to $269, depending on your iPhone model.
To file a claim, you must have Find My iPhone enabled at the time of loss. You’ll need to erase your device remotely and transfer ownership to Apple. The plan covers up to two theft or loss incidents every 12 months.
| Coverage Type | Deductible |
|---|---|
| Screen Damage | $29 |
| Other Damage | $99 |
| Theft or Loss | $149-$269 |
AppleCare+ with Theft and Loss gives you peace of mind. It protects your investment in case of accidents or theft.
Eligibility and Activation
AppleCare+ with Theft and Loss offers extra protection for your iPhone. Knowing if you qualify and how to activate coverage is key to getting the most from this service.
Determining Eligibility for AppleCare+
You can get AppleCare+ with Theft and Loss if you’ve bought a new iPhone in the last 60 days. Your device must not have prior damage. To check eligibility:
- Find your iPhone’s serial number in Settings > General > About
- Visit Apple’s eligibility website
- Enter your serial number and purchase date
Eligible iPhones include the latest models and some older versions. You need an active Apple ID linked to your device. Make sure Find My iPhone is on – it’s required for theft and loss coverage.
Activating Theft and Loss Coverage
Once you’ve confirmed eligibility, activating your coverage is simple:
- Go to Settings > Apple ID > iCloud > Find My iPhone
- Turn on Find My iPhone if it’s not already active
- Visit Apple’s website or use the Apple Support app
- Choose “Add AppleCare+ with Theft and Loss”
- Follow the steps to complete your purchase
After activation, your coverage starts right away. Keep your proof of coverage handy. You’ll need it if you make a claim.
| Coverage Type | Incidents Covered | Deductible |
|---|---|---|
| Theft or Loss | Up to 2 per year | $149 |
| Screen Damage | Unlimited | $29 |
| Other Damage | Unlimited | $99 |
Remember to set up your iCloud backup. It helps if you need to replace a lost or stolen iPhone.
Filing a Claim and Replacement Process
AppleCare+ with Theft and Loss provides a streamlined process for filing claims and obtaining replacement devices. The steps are designed to minimize disruption and get you back up and running quickly.
How to File a Claim for Theft and Loss
To file a claim, start by visiting the Apple Support website. Sign in with your Apple ID and select the device covered by AppleCare+ with Theft and Loss. You’ll need to provide details about the incident and your device.
For plans purchased before September 15, 2020, contact Assurant at 1-877-406-4554 or www.assurantdeviceclaim.com. For plans purchased on or after that date, reach out to AIG at 1-866-258-7418.
Ensure you have the following information ready:
- Device serial number or IMEI
- Police report (for theft claims)
- Date and location of the incident
Obtaining a Replacement Device
Once your claim is approved, you have several options for receiving your replacement iPhone:
- In-store pickup at an Apple Store
- Home delivery (usually within 1-3 business days)
- Express Replacement Service (next-day delivery in many areas)
The replacement process may take up to 4 business days after claim approval. Your new device will be equivalent to your lost or stolen iPhone in model and color, subject to availability.
| Replacement Method | Typical Timeframe |
|---|---|
| In-store pickup | Same day |
| Home delivery | 1-3 business days |
| Express Service | Next day |
International Claims and Support
If you’re traveling abroad, AppleCare+ with Theft and Loss still has you covered. You can file a claim and receive a replacement in any country where the coverage is available.
Keep in mind that international replacements depend on device availability. Options may vary by region, iPhone model, and color. This flexibility ensures you’re not left without a device while away from home.
To initiate an international claim, use the same process as you would domestically. Contact Apple Support or use the online claim system. They’ll guide you through the steps and arrange for delivery to your current location.
Terms, Fees, and Additional Benefits
AppleCare+ with Theft and Loss offers comprehensive coverage for your Apple devices. It includes service fees, deductibles, and extra benefits beyond basic protection.
Understanding Service Fees and Deductibles
AppleCare+ with Theft and Loss charges service fees for repairs and deductibles for replacements. Fees vary based on the device and type of damage. For iPhones, screen repairs cost $29, while other accidental damage is $99.
Theft and loss deductibles range from $149 to $269, depending on your iPhone model. These fees are much lower than buying a new device at full price.
Here’s a breakdown of common fees:
| Service Type | iPhone | iPad | Apple Watch |
|---|---|---|---|
| Screen Repair | $29 | $49 | $69 |
| Other Damage | $99 | $49 | $79 |
| Theft/Loss | $149-$269 | N/A | N/A |
The Benefits of AppleCare+ Beyond Theft and Loss
AppleCare+ provides more than just theft and loss coverage. You get extended warranty protection for hardware issues and battery service. This includes free battery replacements if your device’s battery health drops below 80%.
You also receive priority access to Apple’s technical support team. This helps with software issues, setup, and general troubleshooting. The support is available 24/7 via phone or chat.
AppleCare+ covers up to two incidents of accidental damage every 12 months. This protects you from costly repairs due to drops, spills, or other accidents.
Frequently Asked Questions
AppleCare+ with Theft and Loss provides additional protection for iPhone users. This coverage helps if your device is lost or stolen.
How can I file a claim for Theft and Loss with AppleCare+?
To file a claim, contact the appropriate provider based on when you bought your plan. For plans purchased before September 15, 2020, call Assurant at 1-877-406-4554 or visit www.assurantdeviceclaim.com. For plans bought on or after that date, call AIG at 1-866-258-7418.
What is covered under AppleCare+ Theft and Loss?
This plan covers up to two incidents of theft or loss every 12 months. It’s an extension of the standard AppleCare+ coverage, which also protects against accidental damage and hardware failures.
What is the deductible for AppleCare+ Theft and Loss?
The deductible varies based on your iPhone model. You’ll need to pay this amount for each claim. Check your plan details or contact Apple Support for the specific deductible for your device.
Are there any exclusions to AppleCare+ Theft and Loss coverage?
Yes, there are some exclusions. The plan doesn’t cover intentional damage or loss due to illegal activities. You must have Find My iPhone enabled at the time of loss for a valid claim.
Can I enroll in AppleCare+ with Theft and Loss for a previously purchased iPhone?
You can add this coverage within 60 days of purchasing your iPhone. After that, you may need to bring your device to an Apple Store for inspection before enrollment.
What are the steps to follow if my iPhone is lost or stolen under AppleCare+?
First, use Find My iPhone to mark your device as lost. Then, contact your carrier to suspend service. File a police report if stolen. Finally, submit your claim through the appropriate provider as mentioned earlier.
| Coverage Type | Incidents Covered | Deductible Required | Claim Process |
|---|---|---|---|
| Theft and Loss | Up to 2 per 12 months | Yes (varies by model) | Contact Assurant or AIG |
| Standard Damage | Multiple (fees may apply) | Yes (lower than theft/loss) | Visit Apple Store or Authorized Service Provider |
