Apple Care - if my iphone is lost or stolen while traveling does apple care cover?

Pjphilippe wrote:

No. It is an guarantee extension & accidental damage cover hence you have to bring your damaged phone to Apple for repair. If you cannot bring it in because it is missing for whatever reason then it’s simply gone you can just say bye bye to it and buy a new one.

Did you read the OP's post. The OP specifically mentioned the "Theft and Loss" version of AppleCare+. Yes, it covers theft and loss.

AppleCare Products - iPhone - Apple

AppleCare+ with Theft and Loss

AppleCare+ with Theft and Loss includes up to two incidents of accidental damage, theft, or loss coverage every 24 months. Each incident is subject to the deductibles listed below. In addition, you’ll get Express Replacement Service and 24/7 priority access to Apple experts by chat or phone. 

Theft and loss coverage requires you to have Find My iPhone enabled on your device at the time it is lost or stolen.

Michael Black wrote:

You could call the insurer directly and ask them. In the USA the actual insurance partner providing the loss and theft coverage is Asurion, but I do not know who the insurer in Germany is.

If I remember the USA terms from Asurion, they will cover loss or theft when traveling, but you have to make the claim with them in the USA. Asurion will want a paper police report to prove you reported the theft to local authorities when it occurred. Because they are only licensed to sell insurance in the USA, it does usually mean you will not be able to get your replacement until back in the USA. With an EU insurer, maybe you don’t have to wait until you get home to get a replacement if they also insure in other EU countries?

I looked and for some reason there's different terms depending on the state of purchase. I don't quite get it, as Apple links to terms hosted by the Assurant, Inc. website, but the terms that can be downloaded say the insurance is provided by the American Security Insurance Company, which apparently is a division of Assurant, Inc.

These are the California terms:

https://assurantdeviceclaim.com/media/2563847/CA_Purchased-On-or-After-9102019.pdf

Some of the terms look like a weird cut and paste of standard Apple terms. I mean - what does it mean that a lost or stolen device becomes their property? Strangely enough, it says nothing about having to report a theft or loss to anyone other than the plan administrator (sounds like Apple).

3.5 Lost and Stolen Coverage

We will, subject to payment of the applicable deductible, replace a Covered Device that is lost or stolen (coverage for “Lost” and “Stolen” devices, respectively). You must submit a valid claim by notifying us that (i) your Covered Device disappeared without your knowledge, or, (ii) was taken unlawfully without your consent. We will replace the Covered Device with a replacement product that is new or equivalent to new in performance and reliability (each occurrence, either Lost or Stolen, is individually, a “Service Event”).

For your claim to be eligible for coverage, you must have Find my iPhone switched on prior to the device being lost or stolen.

The original product becomes our property and the replacement product is your property, with coverage effective for the remaining period of the Plan Term. As part of the claim process, you may be asked to access your iCloud account to place your device in Lost Mode, erase your device and/or otherwise disable your device.

However, I'm not sure what applies in Germany.

You could call the insurer directly and ask them. In the USA the actual insurance partner providing the loss and theft coverage is Asurion, but I do not know who the insurer in Germany is.

If I remember the USA terms from Asurion, they will cover loss or theft when traveling, but you have to make the claim with them in the USA. Asurion will want a paper police report to prove you reported the theft to local authorities when it occurred. Because they are only licensed to sell insurance in the USA, it does usually mean you will not be able to get your replacement until back in the USA. With an EU insurer, maybe you don’t have to wait until you get home to get a replacement if they also insure in other EU countries?

In the USA insurance, like almost all commerce, is a State regulated industry, so different terms for different states makes sense to me (there was a time when old-style AppleCare was not available in Florida as they treated it as insurance, and Apple is not licensed to sell insurance, so Florida said no to selling AppleCare in the 1980’s and 1990’s - always found that weird how one single state could interpret an extended warranty so differently from all others).

Hard to tell. You would need to look up the individual terms. I'm trying to look up the US terms, and since it's considered an insurance product, there's different ones that apply for different states in the US.

I would think that it would be covered, but you would probably need to report the claim and receive the replacement in the country where it was purchased (i.e. Germany). The theft/loss coverage also isn't by Apple but a third party insurance company. I believe they're also hybrids in that Apple seems to be responsible for part of the coverage that regular AppleCare+ would normally apply.

I suggest looking up the terms, as my German isn't very good.

No. It is an guarantee extension & accidental damage cover hence you have to bring your damaged phone to Apple for repair. If you cannot bring it in because it is missing for whatever reason then it’s simply gone you can just say bye bye to it and buy a new one.