If you look at the stats, you will see that there is a 57% possibility of getting your phone damaged in the first year of purchase.
So, wouldn’t it be a wise decision to get a Straight Talk phone insurance plan after purchasing the smartphone of your dreams?
We care for your hard-earned money, and that is why we are going to describe the insurance plans for you. The plans initially offered by Chartis WarrantyGuard, Inc. and Straight Talk consumers can apply for the plans. Now, let’s talk about the conditions of those plans in simpler terms.
Straight Talk Phone Insurance Plan Review 2023
2 Phone Insurance Plans from Straight Talk
The first plan, which is Easy Exchange, can be obtained by anyone. However, the second one, which is Easy Exchange Plus, is for more comprehensive coverage. Now, let’s see the detailed terms and conditions along with the features of those plans.
1. Easy Exchange
The Easy Exchange Plan is all about extending your phone manufacturer’s warranty by a year. This is an essential coverage plan, and you can get it in the first year of your purchase.
You will get up to 2 replacements within one year of the insurance. Now, check out the coverage criteria for the Easy Exchange program.
- Damage due to power surge
- Damage due to humidity
- Electrical failure
- Mechanical failure
- Accidental damage from handling
- Water damage
2. Easy Exchange Plus
This one has a little bit more advantage than the previous one. You can choose either a monthly or yearly payment option in this plan.
Also, the warranty terms are friendlier and cover more incidents. Now, check out the coverage criteria for the Easy Exchange Plus program.
- Electrical failure
- Mechanical failure
- Accidental damage from handling
- Water damage
- Damage due to power surge
- Damage due to humidity
Before you start reading the process of getting your phone insured, you should know that several terms and conditions vary from state to state. So, we recommend you to read the specific point that applies to your state before making a decision.
How to get Straight Talk Phone Insurance Plans
Before you begin, you can check which plan is applicable for your Straight Talk number. After that, you can follow the steps below, and your phone will be insured in no time.
Except for the residents of California, people from the other 49 states qualify for both of the plans. Now, let’s see how easily and quickly you can secure your phone.
- Get a phone from Straight Talk, and you can get it from their online store or from a shop near your location.
- After you have got a number, check it for its eligible insurance plan.
- Finally, select the plan you will be charged an amount per month for the damage coverage of your phone.
When your phone gets damaged, you can contact Straight Talk and get a shipping label. After sending the phone to them with that label, you will get a replacement for your phone as quickly as possible.
If you can’t afford the insurance plans, you can check out some cheap straight talk phones for sale. These phones are very affordable, and you won’t need insurance plans.
Things that won’t insure your phone
- In case your device is damaged due to opening or alteration, you won’t get the coverage promised by the insurance company.
- In case of damages or other occurrences that are beyond anyone’s control, you won’t get the coverage promised by the insurance company.
- In case of improper storage or usage other than the manufacturer’s intended operation, you won’t get the coverage promised by the insurance company.
- In case of any damages as a consequence of the repair, any particular part will lead to no coverage.
- Leased or rented phones won’t get the coverage from these plans.
- In case of damages done by animals, insects, or bodily fluids, you won’t get the coverage promised by the insurance company.
- In case you buy a phone without the manufacturer’s warranty, you won’t get the coverage promised by the insurance company.
- Damages done during any part of the delivery process will result in no coverage.
Things you should know
The company holds the right to inspect your sent device for making certain decisions. So, you must keep a backup of your personal information and other necessary data. If anything is lost during the repairing process, you won’t be able to claim or hold the company responsible.
The plans are not subjected to auto-renewal, and you will be notified before 30 days of the expiration. So, it is your sole responsibility to decide whether to renew the plan or not.
You can cancel the plan within 60 days from the purchase date to get a full refund. The link that provides written terms of the plans is final, and you should not consider other written or oral modifications by any representative.
For your information, you might need to pay a certain amount of deductible in case your product needs replacement. From the official website, you will see a table that includes the value of the exchange product and what you need to pay.
Finally, you can wait up to 30 days from the date of the receipt of the label for your original product. Case of not getting it within that period will require you to resubmit your claim.
Final Verdict
Both Straight Talk phone insurance plans are good, and you should go with the one that meets your requirements. We recommend Easy Exchange Plus, which will cover the most common incidents that happen to our phones.
However, you can choose the other one if it seems more suitable for refurbished straight talk phones. No matter what it is, please don’t make the mistake of waiting for a couple of days to apply for insurance.
