You are right to be wary. There is much bullcrap. Be wary of me too, because I may be wrong. Make up your own mind after you evaluate all the evidence and the logic. - Mark Rippetoe
And I personally think that an $89 deductible for a brand new replacement phone is a pretty decent deal if something happens to a covered phone. But that seems rather steep for a refurbished phone, which is typically Asurion's M.O.
You know you should look for the humor in everything because you look much sexier when you smile!!!
A gun in the hand is better than a cop on the phone.
Only the Skilled Survive
A computer lets you make more mistakes faster than any invention in human history - with the possible exceptions of handguns and tequila.
Drill Sergeant Frick's Rules For Un-armed Combat.
1. Never be unarmed.
2. See Rule #1
USMC rule # 23 of gunfighting: Be polite, be professional, but have a plan to kill everyone you meet.
I have called some Protectcell dealers and asked a slew of questions. I also called Verizon about their participation in outside insurance. (I will be editing the original post to reflect this information)
I asked only for the MotoDroid; one ATT store would not handle the device because they were an ATT only store, okay, I can deal with that. The others reflected information just about the same across the board.
NOTE: Protectcell cannot be charged to your verizon bill.
Price: 69.95/year or 119.95/two years. One store said that I could break the pricing up into 3 payments in the amount of 20.97 for the one year package. The other stores told me it was a one time upfront payment.
IF they offered a monthly installment you would pay:
69.95 = 5.83 a month
119.95 = 4.99 a month
Deductible: The first claim cost $50, second $100, third $150. Claims cap at $150 and you have unlimited claims.
Eligibility: You can ONLY enroll with their service within the first 30 days of purchasing the phone. So hold on to your receipt if you want to go this route, you have to show proof. You also either A) have to visit a location or B) you can fax the info and set the insurance up over the phone.
NOTE: I was told by the rep that Asurion will usually replace your unit with a refurb, which I have read on their site and from these forums. Protectcell told me they replace your unit with a brand new unit.