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Are Amazon protection plans worth it?

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Amazon is one of the most popular shopping platforms in the world. With 98 million monthly users of the Amazon app alone (just behind Walmart's shopping app with 120 million monthly users), it’s obvious that many people turn to Amazon for their shopping needs. For many products purchased on Amazon, shoppers have the option to purchase a product protection plan through various third-party warranty providers. But are Amazon product protection plans the best option?

If you're looking for more comprehensive product protection that doesn't break the bank, subscribe to Mulberry Unlimited. For just $9.99 a month, you'll get coverage fro all your Amazon purchases and more under the same product protection plan, complete with unlimited claims.

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How does an Amazon protection plan work?

Depending on the product you want to insure, your Amazon product protection plan will either be serviced through SquareTrade (a company owned by AllState), Asurion, or Assurant. Here’s how the process generally works:

  1. Purchase your coverage: You can either buy your product protection plan at the time you purchase your product, or anytime within the first 30 days.
  2. Submit your claim: You can submit a claim by completing an online form. You'll need your receipts for both your protection plan and the damaged product.
  3. Find out if your claim is accepted: Depending on your product, SquareTrade, Asurion, or Assurant will review your claim and notify you if it has been approved.
  4. Receive support: If your claim is approved, you’ll either return the product for repair or be reimbursed to purchase a brand new product.

What's covered under an Amazon protection plan?

Amazon offers coverage for many types of products across various categories. In this article, we’ll focus on Amazon’s product protection plans for furniture, jewelry, and electronics. Although coverage and price depend on the exact product and plan purchased, the general policies are similar within each category. Let’s take a look at what’s covered for each category:


For furniture purchases, Amazon’s product protection plans are offered through SquareTrade. A typical plan will offer protection against incidents such as stains, rips, and tears.

The price of available furniture protection plans ranges depending on the value of the furniture you’re insuring; for example, a 5-year Amazon furniture protection plan for this $500 sofa will run you $74.99. Insider tip: a 5-year furniture protection plan from Mulberry will only cost $45.99. Install the extension so you can get the best prices on product protection while you shop.


Amazon’s jewelry protection plan is offered by Asurion, and the coverage is simple: it covers resetting stones, untangling knots and kinks, mounting repair, and restringing pearls. Most types of jewelry, including watches, bracelets, earrings and rings can be covered.

The price of an Amazon jewelry protection plan varies depending on the item you’re covering, but you will sometimes find lifetime protection options. Read the fine print to ensure you're getting the value you're paying for. You can also check out this article for more information on what an extended warranty for jewelry should cover. 


Amazon’s product protection plans for electronics are offered by Asurion. They can cover both accidental damage and internal defects. This includes cracked screens, damage from spills, and damage from impact (such as dropping your device). Like MulberryCare, the coverage also includes the cost to ship the device back to the provider and the cost of repair.

Are there alternative product protection options?

While an Amazon product protection plan might seem like the most convenient option, it’s not necessarily the best value or level of coverage. Within each product category, there are protection plan options that offer coverage at varying price points. Let’s take a look at a couple of alternative product protection options within each category:

Credit card warranties

Many credit card companies offer limited warranties for products purchased with their cards. Some examples include AMEX, Capital One, and MasterCard. In many cases, the coverage is free but is limited in scope with strict stipulations, such as how long the manufacturer’s warranty can last and exclusions of certain products. 

To demonstrate this, let’s look at product protection offered through AMEX. Among other product categories, AMEX offers coverage for furniture, jewelry, and electronics, but only if the manufacturer’s warranty ends within a certain time frame. In the fine print, you’ll also find that coverage excludes incidents of normal wear and tear and the cost of shipping (if you’ve ever paid for shipping any piece of furniture, you’ll know this is a significant cost).

Mulberry Unlimited

With Mulberry Unlimited, you can get comprehensive coverage for thousands of products, including furniture, jewelry, and electronics. Here’s a breakdown of Mulberry’s coverage for these three categories, all of which include accidental damage coverage:

  • Furniture: Mulberry offers protection against most common accidents that occur with furniture. Some examples include protection against stains, spills, rips, liquid marks and rings, and burn marks.
  • Jewelry: With Mulberry, you can protect your jewelry against incidents such as knots, broken clasps, cracked stones, and bent prongs. You can even submit a claim to get your jewelry refinished and re-polished!
  • Electronics: Mulberry offers coverage for electronics that includes accidental damage like broken screens, liquid spills, drops and cracks, as well as electrical and mechanical defects.

When you shop with the Mulberry extension, you'll find that MulberryCare coverage is more competitively priced compared to other product protection plans, like those offered through Amazon. And, when you subscribe to Mulberry Unlimited, you'll get convenient product protection for all your Amazon purchases under the same plan!

Are Amazon protection plans worth it?

While Amazon product protection plans have some benefits, they can be expensive and have some drawbacks. Amazon product protection plans may not kick in until the manufacturer warranty has expired, and Amazon products made overseas can have complicated, and sometimes unhelpful, manufacturer warranties.

Amazon product protection plans are offered through third-party insurance providers, which can be difficult to work with and come at a premium because Amazon has to charge you more because they pay the insurance companies for their services. At Mulberry, we sell product protection plans directly to you so we don't have to pay any middle-men that mark up the price. We pass along the savings to you instead of maximizing profit. That's the Mulberry difference.

If you’re looking for a hassle-free, straightforward product protection plan that offers quality coverage at the lowest price, guaranteed, subscribe to Mulberry Unlimited. You won’t have to worry about any hidden fees, you'll never pay any deductibles, and claims are resolved quickly so you can get back to enjoying your purchases.

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Kim Miller

About the author

Kim Miller is the Head of Marketing at Mulberry. She is passionate about building products and brands that make consumers happy, save them money and make their lives easier. Have an innovative idea for Mulberry you'd like to share? Give her a shout! She'd love to chat about anything from fintech and UX to gardening and antiquing.

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