Apple now lists AppleCare+ with Theft and Loss for iPad and Apple Watch in the United States. Standalone plans start at $4.99 per month for eligible iPads and $2.99 per month for Apple Watch SE; an approved theft-or-loss replacement costs a separate $129 deductible for iPad or $119 for Apple Watch. Standalone coverage allows up to two theft-or-loss incidents in any 12-month period. Keep Find My enabled and do not remove the device from your Apple Account until Apple approves the claim.
Current U.S. AppleCare+ with Theft and Loss prices
The prices below come from Apple’s U.S. disclosure documents available on August 18, 2026. They are before taxes and can vary by state, enrollment channel, model eligibility and later Apple price changes. Confirm the offer shown for your device before buying.
iPad plans
| iPad model group | Monthly | Annual |
|---|---|---|
| iPad Air, 4th generation and earlier | $4.99 | $49.99 |
| iPad and iPad mini | $4.99 | $49.99 |
| iPad Air, 5th generation | $5.99 | $59.99 |
| iPad Air 11-inch, M4/M3/M2 | $5.99 | $59.99 |
| iPad Air 13-inch, M4/M3/M2 | $6.99 | $69.99 |
| iPad Pro 11-inch, 4th generation and earlier | $7.99 | $79.99 |
| iPad Pro 11-inch, M5/M4 | $9.99 | $99.99 |
| iPad Pro 12.9-inch, 4th generation and earlier | $7.99 | $79.99 |
| iPad Pro 12.9-inch, 5th generation | $9.99 | $99.99 |
| iPad Pro 12.9-inch, 6th generation | $9.99 | $99.99 |
| iPad Pro 13-inch, M5/M4 | $10.99 | $109.99 |
Source: Apple’s U.S. non-New York disclosure. Apple’s New York disclosure lists the same iPad premiums.
Apple Watch plans
| Apple Watch model group | Monthly | Annual |
|---|---|---|
| Apple Watch SE | $2.99 | $29.99 |
| Apple Watch Series 3 | $4.99 | $29.99 |
| Apple Watch Series 4 through Series 11 | $4.99 | $49.99 |
| Apple Watch Ultra | $5.99 | $59.99 |
| Apple Watch Hermès | $5.99 | $59.99 |
The Series 4–11 grouping includes Series 4, 5, 6, 7, 8, 9, 10 and 11. The New York disclosure lists the same Watch tiers. Prices are from the same U.S. disclosure.
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- A FULL-FEATURED HEALTH TRACKER—Apple Watch Series 11 gives you invaluable insights about your body, right from your wrist. Take an ECG anytime* and get alerts for a high and low heart rate or an irregular rhythm*—so you can stay closer to your heart. You can also view your overnight health tracking metrics with the Vitals app* and be notified of possible sleep apnea.*
- KNOW YOUR SLEEP SCORE—With advanced sleep tracking, Series 11 gives you a daily sleep score. It’s an easy way to help measure and understand the quality of your sleep, so you can make it more restorative.
- GET HYPERTENSION NOTIFICATIONS—Did you know that Series 11 can spot signs of chronic high blood pressure? By analyzing how your blood vessels respond to beats of the heart, it can notify you of possible hypertension.*
- SAFETY FEATURES—A smartwatch that puts your safety first. Series 11 can detect a hard fall or severe car crash, automatically help connect you with emergency services, and notify your emergency contacts.* Check In can automatically notify a loved one when you’ve arrived at your destination.
- A POWERFUL FITNESS TRACKER—With advanced metrics and motivating features like Pacer, Heart Rate Zones, training load, and Workout Buddy powered by Apple Intelligence from your nearby iPhone*—Series 11 is made to help everyone stay active, from runners and hikers to strength-training enthusiasts.
Are fixed-term plans available?
Apple’s disclosure also describes 24-month fixed-term coverage for some products. Fixed-term coverage starts on the purchase date and ends after 24 months; monthly and annual coverage continues until canceled or otherwise terminated. The available document does not provide a complete fixed-term price for every iPad and Watch model, so use the amount displayed in Apple checkout rather than estimating it from the tables above.
The theft-or-loss deductible is separate from the premium
| Claim type | iPad | Apple Watch |
|---|---|---|
| Theft or loss | $129 | $119 |
| Accidental damage | Varies by model and damage | $69; $79 for Ultra and Hermès |
These service fees are listed on Apple’s AppleCare service-fee page. A theft claim therefore costs the plan premium already paid plus the applicable deductible if Apple approves the replacement.
What accidental-damage coverage costs
- Newer iPad tiers: $29 for screen damage and $99 for other accidental damage.
- Other iPad models: $49 for other accidental damage.
- Apple Pencil, Apple Pencil Pro and Apple-branded iPad keyboards: $29 for accidental damage when covered with the iPad.
- Apple Watch: $69 for accidental damage; $79 for Ultra and Hermès.
Accidental-damage fees are not theft-or-loss fees. Battery service is covered without an additional fee when the battery retains less than 80% of its original capacity. Apple also says one Apple Pencil and one Apple-branded iPad keyboard can receive accidental-damage coverage with a covered iPad; in-box cables and power adapters are covered under applicable plan terms. See Apple’s AppleCare overview for the current benefit description.
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- A FULL-FEATURED HEALTH TRACKER—Apple Watch Series 11 gives you invaluable insights about your body, right from your wrist. Take an ECG anytime* and get alerts for a high and low heart rate or an irregular rhythm*—so you can stay closer to your heart. You can also view your overnight health tracking metrics with the Vitals app* and be notified of possible sleep apnea.*
- KNOW YOUR SLEEP SCORE—With advanced sleep tracking, Series 11 gives you a daily sleep score. It’s an easy way to help measure and understand the quality of your sleep, so you can make it more restorative.
- GET HYPERTENSION NOTIFICATIONS—Did you know that Series 11 can spot signs of chronic high blood pressure? By analyzing how your blood vessels respond to beats of the heart, it can notify you of possible hypertension.*
- SAFETY FEATURES—A smartwatch that puts your safety first. Series 11 can detect a hard fall or severe car crash, automatically help connect you with emergency services, and notify your emergency contacts.* Check In can automatically notify a loved one when you’ve arrived at your destination.
- A POWERFUL FITNESS TRACKER—With advanced metrics and motivating features like Pacer, Heart Rate Zones, training load, and Workout Buddy powered by Apple Intelligence from your nearby iPhone*—Series 11 is made to help everyone stay active, from runners and hikers to strength-training enthusiasts.
Standalone AppleCare+ versus AppleCare One
Standalone coverage
AppleCare+ with Theft and Loss covers accidental damage plus up to two theft-or-loss incidents in a 12-month period for the covered device. Each approved replacement has its own deductible. Standard AppleCare+ without the theft-and-loss tier should not be treated as coverage for a missing device; Apple lists the products separately in its AppleCare terms.
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AppleCare One
AppleCare One starts at $19.99 per month for up to three Apple devices, with each additional device costing $5.99 per month. It can include eligible iPhone, iPad and Apple Watch products, and Apple says customers can add or swap products, including products they already own. Theft-and-loss protection is capped at up to three total incidents per year across eligible covered iPhone, iPad and Apple Watch devices—not three incidents for each device. Details are on Apple’s AppleCare page.
Simple cost comparisons
| Devices | Standalone monthly total | Standalone annual total |
|---|---|---|
| iPad or iPad mini plus Apple Watch SE | $7.98 | $79.98 |
| 13-inch iPad Pro plus Apple Watch Ultra or Hermès | $16.98 | $169.98 |
Those totals use the disclosed premiums and exclude tax. AppleCare One’s $19.99 starting price can be attractive when an iPhone or a third Apple device is also being covered, but it is not automatically cheaper for two devices.
Rank #3
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- WHY APPLE WATCH SERIES 10 — Bigger display with up to 30 percent more screen area.* A thinner, lighter, and more comfortable design.* Advanced health and fitness features provide invaluable insights.* Safety features connect you to help when you need it.* Faster charging gives you 80 percent battery in about 30 minutes.*
- ADVANCED HEALTH INSIGHTS — Take an ECG anytime.* Get notifications if you have high or low heart rate or an irregular heart rhythm.* Understand your menstrual cycle and get retrospective ovulation estimates.* See overnight health metrics like heart rate, respiratory rate, and more with the Vitals app.* Track sleep and get notifications if Apple Watch detects signs of sleep apnea.*
- A POWERFUL FITNESS PARTNER — Measure all the ways you move with Activity Rings, which are customizable to match your lifestyle. Get advanced metrics for a range of workouts with the Workout app. Track the intensity of your workouts with training load. Use depth and water temperature sensors for your aquatic adventures. And Apple Watch comes with three months of Apple Fitness+ free.*
- STAY CONNECTED — Send a text, take a call, listen to music and podcasts, use Siri, and get notifications on the go. Apple Watch Series 10 (GPS) works with your iPhone or Wi-Fi to keep you connected.
- INNOVATIVE SAFETY FEATURES — Fall Detection and Crash Detection can connect you with emergency services in the event of a hard fall or a severe car crash. Emergency SOS lets you call for help with the press of a button.* Check In automatically notifies a loved one when you’ve arrived at your destination.*
How to file an iPad or Apple Watch theft-and-loss claim
- Open Find My or go to iCloud.com/find.
- Mark the iPad or Apple Watch as lost.
- Keep Find My enabled and leave the device associated with the Apple Account used for coverage.
- Do not remove the device from Find My or the Apple Account until Apple has fully approved the claim. Removing it early can jeopardize eligibility.
- Sign in with that Apple Account and start the claim through Apple’s iPad claim instructions or Apple Watch claim instructions.
- After approval, pay the applicable $129 iPad or $119 Apple Watch theft-or-loss deductible and follow the replacement instructions.
Find My must have been enabled when the device was lost or stolen and remain enabled throughout the claim process. Apple’s instructions emphasize Find My, not cellular connectivity; do not assume a GPS-only Watch is excluded unless the current plan terms say so. Replacement terms govern the exact color, storage, cellular configuration and package, so AppleCare should not be described as a promise of an identical retail configuration or immediate replacement.
Enrollment window and eligibility
Apple’s U.S. support material generally allows AppleCare+ with Theft and Loss to be added within 60 days of purchase, but availability can vary by country, state, product and the version of Apple’s support page. On an iPad, check Settings → General → AppleCare & Warranty, select the iPad and review the offers shown. For Apple Watch, use the paired iPhone or Apple’s coverage tools rather than assuming the Watch itself has the same menu.
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- This pre-owned product is not Apple certified, but has been professionally inspected, tested and cleaned by Amazon-qualified suppliers.
- There will be no visible cosmetic imperfections when held at an arm’s length. There will be no visible cosmetic imperfections when held at an arm’s length.
- This product will have a battery which exceeds 80% capacity relative to new.
- Accessories will not be original, but will be compatible and fully functional. Product may come in generic Box.
- This product is eligible for a replacement or refund within 90 days of receipt if you are not satisfied.
Who is most likely to benefit?
Expensive iPad Pro or Apple Watch Ultra owners
The premium and deductible are easier to justify when replacing the device would be a major expense, particularly for people who carry it daily or travel frequently.
Owners who often misplace a wearable
Apple Watch is small and easy to lose. The plan is useful only if you can maintain Find My and keep the Apple Account attached through the claim.
Households with an iPhone, iPad and Watch
Compare the combined standalone premiums with AppleCare One’s $19.99 starting price and its three-total-incidents-per-year limit. The ability to add or swap devices may matter as much as the monthly price.
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- STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable,* Series 12 now measures HRV as often as every five minutes for insights on stress and recovery, and takes background heart rate readings every five seconds.
- A FULL-FEATURED HEALTH TRACKER—Better understand your body with invaluable health insights. View your overnight health metrics with the Vitals app and get a daily sleep score,* track your menstrual cycle,5 and take readings of your blood oxygen.*
- CHECK YOUR READINESS FOR THE DAY—Know when to rest or put yourself to the test. The readiness experience can help you determine your capacity to take on the day by analyzing your recent activity, vitals, and sleep.
- A POWERFUL FITNESS TRACKER—With advanced metrics and motivating features like Pacer, Heart Rate Zones, and Workout Buddy powered by Apple Intelligence from your nearby iPhone8—Series 12 helps you stay active, from running to hiking to strength training.
- KEEP HELP CLOSE AT HAND—A smartwatch that puts your safety first. Series 12 can detect a hard fall or severe car crash, automatically help connect you with emergency services, and notify your emergency contacts.*
Base-model iPad or older Watch owners
Self-insuring can be reasonable when the device’s current replacement price is close to several years of premiums plus the deductible, or when you have savings to replace it.
People who already have insurance
Check homeowners, renters, travel, credit-card or carrier coverage before buying a second policy. Compare each policy’s deductible, exclusions, coverage territory and treatment of loss outside the home; no current prices for those alternatives are established here.
Important limitations to check before purchase
- Standalone theft-and-loss claims are limited to two incidents in 12 months; AppleCare One’s limit is three total incidents per year across eligible devices.
- Find My must be enabled at loss and throughout the claim, and the device must remain on the Apple Account until approval.
- Taxes may apply.
- Model eligibility, prices and enrollment windows can change; newer disclosures already include M5 iPad Pro and Apple Watch Series 11.
- Coverage and insurance rules differ by country and, in the United States, by state.
- Monthly and annual prices do not establish the fixed-term amount for a particular product.
Verdict
Standalone AppleCare+ with Theft and Loss is easiest to justify for a costly iPad or Watch that is regularly carried, provided you can pay the $129 or $119 deductible and maintain Find My correctly. AppleCare One deserves a closer look when you want one plan for three Apple products or already hold several separate AppleCare subscriptions. For an inexpensive or older device, compare the total premiums and deductible with its replacement cost and your existing insurance before enrolling.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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