You will find majority of the iPhone owners confused between Apple Care and Apple Care+. They wonder whether it’s worth getting this insurance policy for their new iPhones. Is AppleCare+ the best option when it comes to safeguarding your iPhone from the intended dangers? While buying yourself the new iPhone 6S and the iPhone 6S Plus, this is the most vital decision that you need to make. iPhone insurance is not something like a product which fits all and hence if you’re not much sure about the warranty which you need to get, you should seek professional help to decide with regards to your personal situation.

AppleCare vs. AppleCare+ – Which to opt for

Any iPhone that you purchase, whether it is sold by some other retailer or by Apple, it will definitely come with a 1 year limited warranty which comes under the name of AppleCare. You don’t have to pay anything for the coverage and the insurance is activated from the day you purchase the iPhone. AppleCare offers 1 year limited warranty against any sort of defects and 90 days complimentary support of the device. The basic version of AppleCare doesn’t protect your phone any accidental damage and this is where AppleCare+ comes into existence.

When you purchase AppleCare+, it costs you $129 and the rule demands you to either purchase it at the same time of buying the iPhone or within 60 days of the transaction. The 1 year warranty will be extended to 2 years and it gives you full support for the next 2 years. In case of any issue regarding your iPhone, you can call 1-800-MY-APPLE and ask for immediate assistance.

In case you break your iPhone or you drop it into water, you will remain covered under AppleCare+. It gives you options where by paying $99 as a deductible, you can easily exchange the broken iPhone for a new phone on the spot. The only thing which AppleCare+ doesn’t safeguard you against is loss or theft and this is something that you may consider.

Take a look at your credit card perks and benefits

There are many people who fail to realize that many credit cards carry different warranty options and insurance policies which are built into the agreement of the credit card. If you purchase an iPhone with an Advantage Card from Citibank, you will get additional one year coverage from the side of the manufacturer. If you don’t seem to know about such benefits, you might tend to take on double insurance policy which would be useless. It’s not that all cards offer such discounts and coverage, but some do offer and you have to stay aware of it.

Therefore, if you’ve recently bought an iPhone and you’re worried about its protection, you can take into account insurance policies like AppleCare and AppleCare+. However, ensure making the right decision which suits your finances and your present situation.