“Protect Your Bubble,” mobile protection plans, and why you should choose wisely.
The story behind extended protection plans and a Protect Your Bubble review.
What is a protection plan?
. At some point, many people realized that replacing their iPhones or Android devices out of warranty for even minor issues could be very expensive. For example, screen replacements for the latest iPhone average $150–$200 retail. And for more mundane issues — there is an even harder chance of getting your devices fixed rather than replaced. The idea of the cell phone protection plan changed that. By applying a premium of $4 to $10 to a customer's wireless bill, consumers took a chance that if and when something happened, their device would be covered and all they would owe was a reasonable deductible. Besides, we insure our cars, homes, and boats — why not add our cell phones in the mix?
Who sells these plans?
. When it comes to extended warranties and protection plans, there are many options to choose from. Many people buy these plans directly from their carrier. Carriers such as Verizon then have an agreement with another company to cover these devices. The largest of which, Asurion, is a tremendously popular option. In fact, many people don’t even realize they’re even with the company until they need to file a claim. Another extremely popular option is SquareTrade, who became very popular by advertising low deductibles and fast processing times.
What is Protect Your Bubble?
. Protect Your Bubble is a much less known subsidiary company backed by Assurant, a large, publicly traded company. When I first began looking for coverage on my iPhone 6, Protect Your Bubble offered the lowest price ($6 a month) and a reasonable deductible ($50). That combined with Assurant’s backing made it an easy choice. I was wrong.
. When my phone dropped and the screen cracked — I wasn’t worried. Remembering that I’d been paying for insurance, I logged into the website armed with all the info I thought I’d needed. At that point, I realized they’d been double charging me without my consent. Somehow, they managed to allow the creation of two identical policies with the same phone number, each one with its own recurring billing date. They still haven’t resolved that issue to this day.
. Being someone who records calls with insurance companies, (something I highly recommend) I informed the first two representatives who refused to speak with me that “I record calls for quality assurance.” They didn’t like this. Finally, I was able to find someone who didn’t mind me recording. They took my statement and sent me a Proof of Loss Form. Assuming all went well, I was told I would have a replacement device the next business day. In fact, this didn’t happen for almost a month.
What went wrong?
. I immediately faxed in and sent the sworn Proof of Loss document, being very careful about my wording. They emailed me again shortly after asking for the same document. I contacted support via a recorded line and was told my form wasn’t accepted without any reason as to why. This process of me editing and faxing this document repeatedly to them took weeks before acceptance.
When my documents weren’t accepted the first few times, I wondered if this was something typical. It turns out Protect Your Bubble has a reputation. From offenses as petty as refusing to cover theft claims because the victim didn’t feel the loss to changing their minds on already approved claims, they were well-versed in stalling tactics.
PYB said your claim was initiated on 17 January and approved on 13 February. This was despite its website saying: ‘We aim to replace all successful theft claims within 48 hours, so you won’t be without a device.’ -Tara Evans
Terrified that a simple Google search for “Protect Your Bubble” or “Protect Your Bubble Scam” revealed hundreds of disgruntled customers and blogs, I made the decision that it was time to end the faxing game. I called and demanded to speak with a licensed claims agent. After faxing her my form along with the 26 page policy document my claim was approved. Next, I just needed to pay the deductible. I informed Davia Taylor, my claims agent, that I would be posting the recordings of my contradictory interactions on YouTube and writing a post. She wrote off these concerns, clearly unworried about the negative publicity.
What did I learn?
It’s easy to look at price and the brand name to judge a company, but when it comes to extended protection plans or any type of insurance, avoid the streetsurance offered by this company however popular their marketing department might make them out to be. For example, had I read this, this, or watched this then I would have went elsewhere.
What do I hope to accomplish?
It’s not my place to say, “don’t go to Protect Your Bubble” or “they suck.” However, I won’t be sending any referral business their way anytime soon. The process felt deceptive and every question they asked had a seemingly ulterior motive. I hope the reader finds this article during a search related to Protect Your Bubble or protection plans in general. Once they know who they’re dealing with, I advise them to do a bit of research themselves to discover what type of company PYB has established themselves to be.
Their mantra was to promise action in “1–2 business days.” However, in these cases, perhaps they should change their name to to protectyoursettlement.com. Then, the blow might not have be so hard.
Have an experience with Protect Your Bubble? Positive or negative: leave a response and create a record for those who think to look before they buy from this company.
*I am not affiliated with Protect Your Bubble. Any protected logo(s) or marking(s) used to refer to the brands mentioned in this post are displayed solely for informational purposes.