Questions & answers · Other insurance
I dropped my iPhone and the screen broke. Does my AppleCare+ plan cover it, and what if I lose the phone?
Other insuranceOtherChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: Apple View original ↗
In short
- This Apple plan covers a drop or a spill if it stops the device from working right.
- You pay a service fee each time. The plan has no limit on how many times.
- The plan version quoted here does not replace a lost or stolen device.
What this means
This answer comes from Apple's own published AppleCare+ terms for the United States. Plan terms change with the date you bought the plan, so check the version for your purchase date [1].
Apple says it gives service when a device "has failed due to accidental damage from handling resulting from an unexpected and unintentional external event (such as, drops and damage caused by liquid contact)". The damage must affect how the device works [1].
You pay a service fee for each repair or replacement. Apple says you can get "unlimited Service Events" while the plan is active [1].
Apple lists things it will not fix. They include normal wear and tear, cosmetic damage that does not affect how the device works, and a device "that is lost or stolen" [1]. Apple names a different plan, "AppleCare+ with Theft and Loss", but the exclusion above is in the terms quoted here [1].
Your next step
Find your Plan Confirmation and your purchase date, and open the Apple terms for that date. Look for the fee for your device. The claim must be made while the plan is active. The page gives the end date only in your Plan Confirmation.
Check it yourself
Open the Apple page below, pick the version that matches your plan purchase date, and read sections 3.2, 3.4 and 4.1.
Where this comes from (1)
[1] Apple · checked 2026-11-06
ADH Service is provided if during the Plan Term you submit a valid claim by notifying Apple that the Covered Device has failed due to accidental damage from handling resulting from an unexpected and unintentional external event (such as, drops and damage caused by liquid contact) … The damage must affect the functionality of your Covered Device. … You are eligible to receive unlimited Service Events for your Covered …
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.
What we don’t know yet
Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.
Every answer is checked against the official rule it quotes.
Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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