Zagg Protect is a $99 insurance plan for your phone

Zagg offers many products to protect your phone, but it adds one more: a protection plan to cover accidental damage and breakdowns.

The new protection program, called Zagg Protect, is a subscription service that works like insurance for your phone. It costs $99 per year and will cover up to two accidental damage claims in a 12-month period and an unlimited number of approved claims for mechanical or electrical failure after the manufacturer’s warranty expires. “Zagg Protect includes coverage for drops, liquid damage, cracked screens, and more,” the company says.

For repairs, customers cover a $49 deductible per claim, pay for service at an authorized repair center, and submit their receipt to receive reimbursement from Zagg.

Zagg Protect is available for a wide range of new and old devices, although Zagg notes in its FAQ that these should be “phones running Android OS using Chrome browser version 68 or newer, or iOS 11 or newer. recent using Safari or Chrome browsers”.

As is often the case with extended warranties and insurance plans, there are certain limitations. Claims have a maximum cap of $500 (or the original purchase price of the device if less than $500), so catastrophic damage to an expensive phone can exceed this cap. The plan will also only replace a phone’s battery once. Loss and theft are also not covered.

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Coverage also doesn’t start as soon as the plan is purchased, but starts 30 days later, so customers will need to be extra careful when they first get a new phone.

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