eSurranty

This is a revised review for an initial review that I was reprimanded for because it was supposedly inflammatory. I stand corrected... ESurranty will pay (or credit) you $20.00 to write a review of their company and experience. As was stated to me most people don't make the effort to write if they're happy but of course will write if they're displeased or unhappy. My first experience with ESurranty was last year when my daughter's phone fell into a pool of water rendering it unusable. The process was unbelievably slow and painful! Because the person that handled my claim was very pleasant and tried to be as helpful as he could... I agreed to write something positive for the $20.00 credit so bear this in mind when you read those reviews! This year my daughter actually lost her phone which took us to a whole new level of frustration. I completed the paperwork and upon submission and review was charged by the company the $276.00 deductible I assumed that the phone had been shipped. 9 days later (5 business days) checked on line and saw that there was yet no approval by the underwriter. Rachel (who is the spokesperson for ESurranty) offered an explanation as to why they have to charge your credit card for the deductible ahead of time however... I'm extremely disturbed by the process and find it incredibly slow, painful and frustrating. I don't question the legitimacy of the company but honestly you can find a great IPhone on Swappa.com or eBay. Just look at your options before you buy a policy here... check the cost of your deductibles plus the cost of the policy. Again... I do believe the company is legitimate but know that it's a very very slow process and you'll have to set up a loaner phone while you wait... soooooo not worth the time, cost and energy expended.

On April 12th, 2017 I purchased 2 policies for my wife and I. These policies were for the Google Pixel XL smartphone and an additional Motorola Droid 2 Android smartphone. The total was $140.93 via debit card. Flash forward to July 4th, my wife accidentally went into the lake with her phone in her pocket.The following Monday I filled out the insurance claim and before I got the label to ship the phone to them to be repaired they made me pay an additional $189 to replace the phone if it was not repairable. I was told if it was repairable they would refund the difference from $189 to $59. (approx $130) I made the $189 payment via debit card and then they sent me a label by email to mail the phone, which I did around July 7-10th 2017. After the company had my wife's phone for more than 3 weeks I got frustrated and unsatisfied with their service, I asked for the phone to be returned and for a full refund. I eventually got the phone back unrepaired however there was not a refund. I asked to cancel my policy and it too was denied (they won't let me cancel my policy). This is all well documented through email with the representative (Sean Henson). After multiple attempts I could not get anyone to answer their phone. Thinking I had been ripped off, I decided to dispute the charge with my bank. However after Sean Henson let me know to read my contract I saw that they would send me to collections if I disputed the charge, so I called the bank and told them I no longer wished to dispute it. Still to this day they have me labeled as disputing the charge even though I ultimately decided not to dispute the charge with my bank. I do have proof that I declined to dispute the charge with my bank.The last contact I have had with them was August 15th 2017.

I have been left without my $338 to this day.