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Before reaching out, have you had a chance to check our FAQs? Click here for answers to just about every question you likely have 🙂
If you still need to reach us, our online chat is preferred and will get you the quickest response.
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Note that Email is the fastest option
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Our Teams:
- San Francisco, CA
- New York City, NY
- Kansas City, KS
- Boston, MA
- Tempe, AZ
- Los Angeles, CA
- Minneapolis, MN
- Jersey City, NJ
- Las Vegas, NV
- Colombus, OH
- Philadelphia, PA
- Providence, RI
- Toronto, Canada
- Hamburg, Germany
- Cusco, Peru
- Lima, Peru
- Kochi, India
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1. What items are covered by an AKKO Plan?
Here is the key differences between our "Phone-Only" plans and our "Everything Protected" AKKO Plan:
The "Everything Protected" AKKO allows you to select, add, and protect one (1) phone + any 25 of your eligible belongings into your AKKO account. You can swap items in and out of your AKKO plan whenever you’d like!
Here is are the current eligible items:
Sports & Recreational Gear
Clothing & Accessories
Appliances (only counter-top):
Handheld/Portable Electronic Power Tools (only covered from accidental damage and theft)
School Supplies
NOTE: All plans are per individual and will only cover items owned by the plan holder. Individual plans cannot be shared with family or friends.
Adult and Student Plan accounts protect a maximum of one (1) phone. To cover additional phones, please purchase additional adult or student plans. There are no quantity limits on electronics and eligible items you want to add to your account.
Multiple plans may be purchased at a discount with billing bundled together!
2. What does an AKKO Plan protect me from?
3. What is the deductible on an AKKO Plan?
The deductibles for phones on our phone-only protection plans or our “Everything Protected” AKKO Plan ranges from $29 – $99 per claim based on the phone’s model. $99 is also the max deductible even for Theft or total replacement claims! (less than half the cost of most other protection providers.) Click here to view the deductibles for repairs/replacements on your specific phone make/model.
If you have one of our “Everything Protected” AKKO Plans which protects 1 phone + 25 other items, all other items besides your phone are subject to a $99 deductible for any incident of Accidental Damage or Theft.
This amount that is “deducted” from any reimbursement payout you receive exists so that individuals are still motivated to be careful with their stuff.
But with all of AKKO’s protection plans, we made sure to have the deductibles at least be set at easily affordable amounts for incidents of accidental damages, breakdowns, and theft, rather than the $150 – $400 deductibles seen on many other protections plans for phones, laptops, and other electronics and personal items.
Note: Deductibles for lost or unrecoverable phones are equal to the deductible for theft on the same phone model, but there is a limit of only 1 lost/unrecoverable phone claim covered per 12 months. Location tracking must be enabled in the AKKO Mobile App and set to “Always allow” on both iPhones and Android phones to be eligible for coverage for phones that are stolen, lost, or unrecoverable.
4. What is the coverage limit?
Phone-only Protection Plan Limits:
If you have a phone-only protection plan, the limit of protection is capped at the replacement cost value of your phone at the time of your claim for each claim you file. But there is no limit on how many claims you may file or any lifetime limit that AKKO will pay out!
This means that you will always be covered to get an exact replacement of your phone (down to the same make, model, color, technical specs, and carrier) anytime the device is damaged or stolen, no matter how many times it may be. There is no limit on the number of claims you may file and our plans are a subscription, so there is no "term length" (unlike a warranty, which may be 1-3 years). So your phone can be covered forever!
"Everything Protected" AKKO Plan Limits:
For our "Everything Protected" AKKO Plans, there is a protection limit of $2,000 PER INCIDENT** for any item. There are no annual protection limits or a limit on the number of claims you may file. Additionally, all protection is still based on the replacement cost value of your damaged/stolen items determined at the time of the claim. This means that if your laptop is stolen and costs $1,200 to replace at the time of the claim, you'll be reimbursed $1,200 (plus any applicable sales tax) less your deductible. You would not be reimbursed $2,000.
—
**$2,000 of protection PER INCIDENT means that if next week on Monday your laptop is stolen, up to the replacement value of your laptop is covered as long as that amount is less than $2,000.
If at another point in the same year, you drop your tablet and the screen is cracked, up to the repair or replacement value cost (if the device cannot be repaired) of the tablet is covered as well as long as it’s less than $2,000.
There is no annual limit of $2,000 that would be exhausted in case replacing your laptop costs $1,800 and replacing your tablet costs $500.
This demonstrates PER INCIDENT protection and the per incident limit with an AKKO Plan is $2,000. There is no annual limit.
HOWEVER, if during a single incident in which someone steals your entire backpack, containing your laptop and tablet, up to $2,000 total is covered to replace those items and any other contents of your backpack that were added to your AKKO account. So, if the combined replacement cost is above $2,000 for all these items, you would only have coverage up to $2,000 to be reimbursed.
Higher PER INCIDENT protection limits are available!
Once you’re registered, you can upgrade your plan to a PER INCIDENT limit as high as $10,000. However, the $2,000 of PER INCIDENT protection is more than enough for the majority of users based on our studies and the claims rates of currently protected AKKO users nationwide. But for those with more expensive items like a high-end laptop or specialty gear like photography or music/audio equipment, the option to upgrade your limit is available. To do so, simply contact us by going to the “billing” section of your account, and we can upgrade your limit.
—
Other limitations:
1. Coverage for jewelry, watches, rings, and other items consisting of gold, silver, platinum, or furs is limited to $1,000.00 for any one loss.
2. Coverage for bicycles is limited to $1,000.00.
3. Property in a personally owned automobile is covered, provided the vehicle was locked and windows were fully closed at the time of theft and there was visible evidence of forced entry into the vehicle.
—
We re-state all this information under this separate Frequently Asked Question because sometimes users don’t click through all questions/answers, and we want to make sure all prospective customers are fully informed 🙂.
5. Do I need my item receipts for coverage? What if I don't have them?
It is not a requirement to have receipts for the items you want to cover on your plan for claims of accidental damage.
For theft claims however, it is required that you show a copy of your stolen items’ purchase receipts. This is the quickest way for us to establish that you did in fact “own” the items you’ve claimed have been stolen.
However, if you no longer have copies of your receipts, proof of ownership of your items can be established through other means.
For example, you can try to contact the original seller/retailer you purchased items from as often they will have records going back a year or two of past transactions. You can try providing your name, phone number, email, or credit card number to try and track down a receipt for something you purchased.
For items you purchased used or through a 3rd party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to you by a seller stating the date you purchased an item, the amount paid, and what the item was. This can suffice as a purchase receipt! Including if you paid for items in cash.
As a best practice, keep track of your receipts! Have copies emailed to you when you purchase items, or take pictures of receipts and email them to yourself or make a habit of immediately uploading them to your AKKO account!
6. What items are NOT covered by an AKKO Plan?
We do not cover furniture.
We do not cover drones, automobile, motorcycle, boat, motor, aircraft or aircraft parts.
We do not cover any type of motorized land vehicle or other conveyances.
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
7. Does my AKKO Plan cover lost items and lost phones?
If you lose one of your belongings, you’ll need to evaluate the situation to determine whether it qualifies as theft or what’s called “mysterious disappearance” (i.e., you simply misplaced your belonging and have no idea where it went, or it is unrecoverable such as falling into a lake).
Use tools like Find My iPhone or Google’s Find My Device to try and recover your phone; similar services exist to track down a missing laptop or tablet. Take screenshots or record evidence of your attempts to recover your phone to provide the most complete set of evidence you can with your claims.
To receive reimbursement for a stolen phone or other item, you must have location tracking fully enabled in the AKKO Mobile App. You will be prompted to enable all settings when you iniitally setup your account and add your phone to your plan. Ensure location tracking is set to “Always allow” in your settings.
If you have an Android device:
Make sure Find My Device is also working and enabled. Go to your web browser, search for “Find My Device” and click the first result. Make sure you can see the device on a map displaying “last known location” along with the device name, make, and model.
If you have an iPhone:
The “Find My” app on iOS does not provide a history of your device’s location, which can help provide proof of theft for your claim or help you try and recover it. Instead, download the Google Maps app and be sure it is set to allow location access at all times. You can verify that your Google Maps timeline is available by checking here: https://www.google.com/maps/timeline
You will have to have location tracking fully enabled in the AKKO Mobile App if your phone or another item is stolen and you wish to seek reimbursement for a replacement under your plan’s reimbursement benefits.
The protection you get with one of AKKO’s protection plans will cover theft of any item if indicated in your plan overview and inclusions, but it will only cover one (1) incident of “mysterious disappearance” of a phone per 12 month period and be subject to the same replacement/theft deductible for your phone model as indicated in your account or on AKKO’s website under all other phone deductibles
8. Can I add multiple phones to my AKKO Plan?
Plans cannot be shared with friends, family members, or anyone else. All plans are per individual and will only cover items that the account holder owns.
All plans may have up to one (1) phone on them. To add more phones, you must purchase additional plans. Either Phone-Only or an Adult and/or Student AKKO Plan.
New Customers:
- Purchase AKKO Plans for your family/group: CLICK HERE
- Purchase multiple Phone-only protection plans: CLICK HERE
Current Members:
- Contact our billing team via Chat or email billing@getAKKO.com to add additional plans for new members/devices
– Did you already register multiple plans? Remember, each phone has its own login. Be sure to have each member of your group/family login to their own account using their own cell phone number to activate and register their protection. (more info)
9. When does my coverage take effect?
Your protection begins at 12:01 a.m. Standard Time at the location of your property the day after your account is created once payment is current and activation is completed.
There is a waiting period of 30 days before any coverage under your membership plan begins (including protection against accidental damages, device malfunctions/failures, theft, or lost phones). In situations where ample photo/video evidence is available, and all photo verification steps have been correctly completed for your item, this waiting period may be waived for cracked screen damages, but no other type of accidental damage, malfunctions, theft, or lost/unrecoverable phones.
Be sure to follow all instructions within your account for adding photos and information for your items. Photos of phones should be taken using the phone's cameras (front and rear) to provide pictures of the front screen and back of the device by taking the photos in front of a mirror.
Follow all instructions and examples provided in the AKKO Mobile or Web App.
10. Can I add items that are older or used to my protection plan?
Yes! The age or place where you purchased your items does not matter. As long as an item is eligible for protection, regardless of age or if you purchased it from a store or individual, you can add it to your plan and have it protected through AKKO against accidental damages and theft.
See what items are eligible for protection here.
NOTE: Mechanical/electrical component failures are only covered for portable electronic devices and TVs purchased new and within 120 days prior to your account registration or anytime after you registered your plan (except for phones, phones are covered for parts failures regardless of purchase date or if purchased used). Older items ARE still covered for accidental damage and theft as long as they are undamaged and fully functional! (see more info here)
RECEIPTS: For items you purchased used or through a 3rd party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to you by a seller stating the date you purchased an item, the amount paid and what the item was. You can also provide a screenshot of the purchase/order confirmation with this information listed.
This can suffice as a receipt should you be asked to provide one during a claim. However, for any claim of theft, you must also be able to provide proof of purchase (such as a record of a PayPal or Venmo payment or a copy of your credit card or bank statement showing the date and amount paid). Read this article for more information on receipts.
11. How Does Mechanical/Electrical Coverage Work for my Personal Electronics?
Our AKKO Plan ( $15/month plan that protects 1 phone + 25 items) includes a mechanical/electrical components failure protection guarantee for all your portable electronic devices and TVs that lasts for 36 months from the date of purchase of each device.
Portable electronic devices and TVs you add to your AKKO account for this protection must have been purchased "new" by you either within the 120 days prior to your registration, or anytime after you registered your plan. You must upload your purchase receipt with each device you wish to have this protection to your AKKO account.
It's basically like having FREE 3-year warranties on all of your portable electronic devices and TVs!
Terms:
For any of your portable electronic devices or TVs which already have an active warranty which covers mechanical/electrical component failures (either provided by the manufacturer of the device, a retailer/reseller, or third party) any claims pertaining to mechanical/electrical component failures would first go through your existing/included warranty.
After any existing warranty expires covering mechanical/electrical failures for your eligible devices, AKKO would take over for the remainder of the 36 month period starting from the date of purchase of the eligible portable electronic device or TV.
A portable electronic device is defined as any device which requires either an internal, or external battery to operate. In addition to portable electronics, this protection and these terms also apply to TVs. All claims are still subject to your plan's standard service fees/deductibles.
This special protection ends for your devices if you cancel your plan with AKKO and cannot be resumed even if you choose to then re-enroll with AKKO at a later point in time.
Your device will not be eligible for this coverage if it falls under the following categories:
1. What items are covered by an AKKO Plan?
Here is the key differences between our "Phone-Only" plans and our "Everything Protected" AKKO Plan:
The "Everything Protected" AKKO allows you to select, add, and protect one (1) phone + any 25 of your eligible belongings into your AKKO account. You can swap items in and out of your AKKO plan whenever you’d like!
Here is are the current eligible items:
Sports & Recreational Gear
Clothing & Accessories
Appliances (only counter-top):
Handheld/Portable Electronic Power Tools (only covered from accidental damage and theft)
School Supplies
NOTE: All plans are per individual and will only cover items owned by the plan holder. Individual plans cannot be shared with family or friends.
Adult and Student Plan accounts protect a maximum of one (1) phone. To cover additional phones, please purchase additional adult or student plans. There are no quantity limits on electronics and eligible items you want to add to your account.
Multiple plans may be purchased at a discount with billing bundled together!
2. What does an AKKO Plan protect me from?
3. What is the deductible on an AKKO Plan?
The deductibles for phones on our phone-only protection plans or our “Everything Protected” AKKO Plan ranges from $29 – $99 per claim based on the phone’s model. $99 is also the max deductible even for Theft or total replacement claims! (less than half the cost of most other protection providers.) Click here to view the deductibles for repairs/replacements on your specific phone make/model.
If you have one of our “Everything Protected” AKKO Plans which protects 1 phone + 25 other items, all other items besides your phone are subject to a $99 deductible for any incident of Accidental Damage or Theft.
This amount that is “deducted” from any reimbursement payout you receive exists so that individuals are still motivated to be careful with their stuff.
But with all of AKKO’s protection plans, we made sure to have the deductibles at least be set at easily affordable amounts for incidents of accidental damages, breakdowns, and theft, rather than the $150 – $400 deductibles seen on many other protections plans for phones, laptops, and other electronics and personal items.
Note: Deductibles for lost or unrecoverable phones are equal to the deductible for theft on the same phone model, but there is a limit of only 1 lost/unrecoverable phone claim covered per 12 months. Location tracking must be enabled in the AKKO Mobile App and set to “Always allow” on both iPhones and Android phones to be eligible for coverage for phones that are stolen, lost, or unrecoverable.
4. What is the coverage limit?
Phone-only Protection Plan Limits:
If you have a phone-only protection plan, the limit of protection is capped at the replacement cost value of your phone at the time of your claim for each claim you file. But there is no limit on how many claims you may file or any lifetime limit that AKKO will pay out!
This means that you will always be covered to get an exact replacement of your phone (down to the same make, model, color, technical specs, and carrier) anytime the device is damaged or stolen, no matter how many times it may be. There is no limit on the number of claims you may file and our plans are a subscription, so there is no "term length" (unlike a warranty, which may be 1-3 years). So your phone can be covered forever!
"Everything Protected" AKKO Plan Limits:
For our "Everything Protected" AKKO Plans, there is a protection limit of $2,000 PER INCIDENT** for any item. There are no annual protection limits or a limit on the number of claims you may file. Additionally, all protection is still based on the replacement cost value of your damaged/stolen items determined at the time of the claim. This means that if your laptop is stolen and costs $1,200 to replace at the time of the claim, you'll be reimbursed $1,200 (plus any applicable sales tax) less your deductible. You would not be reimbursed $2,000.
—
**$2,000 of protection PER INCIDENT means that if next week on Monday your laptop is stolen, up to the replacement value of your laptop is covered as long as that amount is less than $2,000.
If at another point in the same year, you drop your tablet and the screen is cracked, up to the repair or replacement value cost (if the device cannot be repaired) of the tablet is covered as well as long as it’s less than $2,000.
There is no annual limit of $2,000 that would be exhausted in case replacing your laptop costs $1,800 and replacing your tablet costs $500.
This demonstrates PER INCIDENT protection and the per incident limit with an AKKO Plan is $2,000. There is no annual limit.
HOWEVER, if during a single incident in which someone steals your entire backpack, containing your laptop and tablet, up to $2,000 total is covered to replace those items and any other contents of your backpack that were added to your AKKO account. So, if the combined replacement cost is above $2,000 for all these items, you would only have coverage up to $2,000 to be reimbursed.
Higher PER INCIDENT protection limits are available!
Once you’re registered, you can upgrade your plan to a PER INCIDENT limit as high as $10,000. However, the $2,000 of PER INCIDENT protection is more than enough for the majority of users based on our studies and the claims rates of currently protected AKKO users nationwide. But for those with more expensive items like a high-end laptop or specialty gear like photography or music/audio equipment, the option to upgrade your limit is available. To do so, simply contact us by going to the “billing” section of your account, and we can upgrade your limit.
—
Other limitations:
1. Coverage for jewelry, watches, rings, and other items consisting of gold, silver, platinum, or furs is limited to $1,000.00 for any one loss.
2. Coverage for bicycles is limited to $1,000.00.
3. Property in a personally owned automobile is covered, provided the vehicle was locked and windows were fully closed at the time of theft and there was visible evidence of forced entry into the vehicle.
—
We re-state all this information under this separate Frequently Asked Question because sometimes users don’t click through all questions/answers, and we want to make sure all prospective customers are fully informed 🙂.
5. Do I need my item receipts for coverage? What if I don't have them?
It is not a requirement to have receipts for the items you want to cover on your plan for claims of accidental damage.
For theft claims however, it is required that you show a copy of your stolen items’ purchase receipts. This is the quickest way for us to establish that you did in fact “own” the items you’ve claimed have been stolen.
However, if you no longer have copies of your receipts, proof of ownership of your items can be established through other means.
For example, you can try to contact the original seller/retailer you purchased items from as often they will have records going back a year or two of past transactions. You can try providing your name, phone number, email, or credit card number to try and track down a receipt for something you purchased.
For items you purchased used or through a 3rd party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to you by a seller stating the date you purchased an item, the amount paid, and what the item was. This can suffice as a purchase receipt! Including if you paid for items in cash.
As a best practice, keep track of your receipts! Have copies emailed to you when you purchase items, or take pictures of receipts and email them to yourself or make a habit of immediately uploading them to your AKKO account!
6. What items are NOT covered by an AKKO Plan?
We do not cover furniture.
We do not cover drones, automobile, motorcycle, boat, motor, aircraft or aircraft parts.
We do not cover any type of motorized land vehicle or other conveyances.
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
7. Does my AKKO Plan cover lost items and lost phones?
If you lose one of your belongings, you’ll need to evaluate the situation to determine whether it qualifies as theft or what’s called “mysterious disappearance” (i.e., you simply misplaced your belonging and have no idea where it went, or it is unrecoverable such as falling into a lake).
Use tools like Find My iPhone or Google’s Find My Device to try and recover your phone; similar services exist to track down a missing laptop or tablet. Take screenshots or record evidence of your attempts to recover your phone to provide the most complete set of evidence you can with your claims.
To receive reimbursement for a stolen phone or other item, you must have location tracking fully enabled in the AKKO Mobile App. You will be prompted to enable all settings when you iniitally setup your account and add your phone to your plan. Ensure location tracking is set to “Always allow” in your settings.
If you have an Android device:
Make sure Find My Device is also working and enabled. Go to your web browser, search for “Find My Device” and click the first result. Make sure you can see the device on a map displaying “last known location” along with the device name, make, and model.
If you have an iPhone:
The “Find My” app on iOS does not provide a history of your device’s location, which can help provide proof of theft for your claim or help you try and recover it. Instead, download the Google Maps app and be sure it is set to allow location access at all times. You can verify that your Google Maps timeline is available by checking here: https://www.google.com/maps/timeline
You will have to have location tracking fully enabled in the AKKO Mobile App if your phone or another item is stolen and you wish to seek reimbursement for a replacement under your plan’s reimbursement benefits.
The protection you get with one of AKKO’s protection plans will cover theft of any item if indicated in your plan overview and inclusions, but it will only cover one (1) incident of “mysterious disappearance” of a phone per 12 month period and be subject to the same replacement/theft deductible for your phone model as indicated in your account or on AKKO’s website under all other phone deductibles
8. Can I add multiple phones to my AKKO Plan?
Plans cannot be shared with friends, family members, or anyone else. All plans are per individual and will only cover items that the account holder owns.
All plans may have up to one (1) phone on them. To add more phones, you must purchase additional plans. Either Phone-Only or an Adult and/or Student AKKO Plan.
New Customers:
- Purchase AKKO Plans for your family/group: CLICK HERE
- Purchase multiple Phone-only protection plans: CLICK HERE
Current Members:
- Contact our billing team via Chat or email billing@getAKKO.com to add additional plans for new members/devices
– Did you already register multiple plans? Remember, each phone has its own login. Be sure to have each member of your group/family login to their own account using their own cell phone number to activate and register their protection. (more info)
9. When does my coverage take effect?
Your protection begins at 12:01 a.m. Standard Time at the location of your property the day after your account is created once payment is current and activation is completed.
There is a waiting period of 30 days before any coverage under your membership plan begins (including protection against accidental damages, device malfunctions/failures, theft, or lost phones). In situations where ample photo/video evidence is available, and all photo verification steps have been correctly completed for your item, this waiting period may be waived for cracked screen damages, but no other type of accidental damage, malfunctions, theft, or lost/unrecoverable phones.
Be sure to follow all instructions within your account for adding photos and information for your items. Photos of phones should be taken using the phone's cameras (front and rear) to provide pictures of the front screen and back of the device by taking the photos in front of a mirror.
Follow all instructions and examples provided in the AKKO Mobile or Web App.
10. Can I add items that are older or used to my protection plan?
Yes! The age or place where you purchased your items does not matter. As long as an item is eligible for protection, regardless of age or if you purchased it from a store or individual, you can add it to your plan and have it protected through AKKO against accidental damages and theft.
See what items are eligible for protection here.
NOTE: Mechanical/electrical component failures are only covered for portable electronic devices and TVs purchased new and within 120 days prior to your account registration or anytime after you registered your plan (except for phones, phones are covered for parts failures regardless of purchase date or if purchased used). Older items ARE still covered for accidental damage and theft as long as they are undamaged and fully functional! (see more info here)
RECEIPTS: For items you purchased used or through a 3rd party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to you by a seller stating the date you purchased an item, the amount paid and what the item was. You can also provide a screenshot of the purchase/order confirmation with this information listed.
This can suffice as a receipt should you be asked to provide one during a claim. However, for any claim of theft, you must also be able to provide proof of purchase (such as a record of a PayPal or Venmo payment or a copy of your credit card or bank statement showing the date and amount paid). Read this article for more information on receipts.
11. How Does Mechanical/Electrical Coverage Work for my Personal Electronics?
Our AKKO Plan ( $15/month plan that protects 1 phone + 25 items) includes a mechanical/electrical components failure protection guarantee for all your portable electronic devices and TVs that lasts for 36 months from the date of purchase of each device.
Portable electronic devices and TVs you add to your AKKO account for this protection must have been purchased "new" by you either within the 120 days prior to your registration, or anytime after you registered your plan. You must upload your purchase receipt with each device you wish to have this protection to your AKKO account.
It's basically like having FREE 3-year warranties on all of your portable electronic devices and TVs!
Terms:
For any of your portable electronic devices or TVs which already have an active warranty which covers mechanical/electrical component failures (either provided by the manufacturer of the device, a retailer/reseller, or third party) any claims pertaining to mechanical/electrical component failures would first go through your existing/included warranty.
After any existing warranty expires covering mechanical/electrical failures for your eligible devices, AKKO would take over for the remainder of the 36 month period starting from the date of purchase of the eligible portable electronic device or TV.
A portable electronic device is defined as any device which requires either an internal, or external battery to operate. In addition to portable electronics, this protection and these terms also apply to TVs. All claims are still subject to your plan's standard service fees/deductibles.
This special protection ends for your devices if you cancel your plan with AKKO and cannot be resumed even if you choose to then re-enroll with AKKO at a later point in time.
Your device will not be eligible for this coverage if it falls under the following categories:
1. What items are covered by an AKKO Plan?
Here is the key differences between our "Phone-Only" plans and our "Everything Protected" AKKO Plan:
The "Everything Protected" AKKO allows you to select, add, and protect one (1) phone + any 25 of your eligible belongings into your AKKO account. You can swap items in and out of your AKKO plan whenever you’d like!
Here is are the current eligible items:
Sports & Recreational Gear
Clothing & Accessories
Appliances (only counter-top):
Handheld/Portable Electronic Power Tools (only covered from accidental damage and theft)
School Supplies
NOTE: All plans are per individual and will only cover items owned by the plan holder. Individual plans cannot be shared with family or friends.
Adult and Student Plan accounts protect a maximum of one (1) phone. To cover additional phones, please purchase additional adult or student plans. There are no quantity limits on electronics and eligible items you want to add to your account.
Multiple plans may be purchased at a discount with billing bundled together!
2. What does an AKKO Plan protect me from?
3. What is the deductible on an AKKO Plan?
The deductibles for phones on our phone-only protection plans or our “Everything Protected” AKKO Plan ranges from $29 – $99 per claim based on the phone’s model. $99 is also the max deductible even for Theft or total replacement claims! (less than half the cost of most other protection providers.) Click here to view the deductibles for repairs/replacements on your specific phone make/model.
If you have one of our “Everything Protected” AKKO Plans which protects 1 phone + 25 other items, all other items besides your phone are subject to a $99 deductible for any incident of Accidental Damage or Theft.
This amount that is “deducted” from any reimbursement payout you receive exists so that individuals are still motivated to be careful with their stuff.
But with all of AKKO’s protection plans, we made sure to have the deductibles at least be set at easily affordable amounts for incidents of accidental damages, breakdowns, and theft, rather than the $150 – $400 deductibles seen on many other protections plans for phones, laptops, and other electronics and personal items.
Note: Deductibles for lost or unrecoverable phones are equal to the deductible for theft on the same phone model, but there is a limit of only 1 lost/unrecoverable phone claim covered per 12 months. Location tracking must be enabled in the AKKO Mobile App and set to “Always allow” on both iPhones and Android phones to be eligible for coverage for phones that are stolen, lost, or unrecoverable.
4. What is the coverage limit?
Phone-only Protection Plan Limits:
If you have a phone-only protection plan, the limit of protection is capped at the replacement cost value of your phone at the time of your claim for each claim you file. But there is no limit on how many claims you may file or any lifetime limit that AKKO will pay out!
This means that you will always be covered to get an exact replacement of your phone (down to the same make, model, color, technical specs, and carrier) anytime the device is damaged or stolen, no matter how many times it may be. There is no limit on the number of claims you may file and our plans are a subscription, so there is no "term length" (unlike a warranty, which may be 1-3 years). So your phone can be covered forever!
"Everything Protected" AKKO Plan Limits:
For our "Everything Protected" AKKO Plans, there is a protection limit of $2,000 PER INCIDENT** for any item. There are no annual protection limits or a limit on the number of claims you may file. Additionally, all protection is still based on the replacement cost value of your damaged/stolen items determined at the time of the claim. This means that if your laptop is stolen and costs $1,200 to replace at the time of the claim, you'll be reimbursed $1,200 (plus any applicable sales tax) less your deductible. You would not be reimbursed $2,000.
—
**$2,000 of protection PER INCIDENT means that if next week on Monday your laptop is stolen, up to the replacement value of your laptop is covered as long as that amount is less than $2,000.
If at another point in the same year, you drop your tablet and the screen is cracked, up to the repair or replacement value cost (if the device cannot be repaired) of the tablet is covered as well as long as it’s less than $2,000.
There is no annual limit of $2,000 that would be exhausted in case replacing your laptop costs $1,800 and replacing your tablet costs $500.
This demonstrates PER INCIDENT protection and the per incident limit with an AKKO Plan is $2,000. There is no annual limit.
HOWEVER, if during a single incident in which someone steals your entire backpack, containing your laptop and tablet, up to $2,000 total is covered to replace those items and any other contents of your backpack that were added to your AKKO account. So, if the combined replacement cost is above $2,000 for all these items, you would only have coverage up to $2,000 to be reimbursed.
Higher PER INCIDENT protection limits are available!
Once you’re registered, you can upgrade your plan to a PER INCIDENT limit as high as $10,000. However, the $2,000 of PER INCIDENT protection is more than enough for the majority of users based on our studies and the claims rates of currently protected AKKO users nationwide. But for those with more expensive items like a high-end laptop or specialty gear like photography or music/audio equipment, the option to upgrade your limit is available. To do so, simply contact us by going to the “billing” section of your account, and we can upgrade your limit.
—
Other limitations:
1. Coverage for jewelry, watches, rings, and other items consisting of gold, silver, platinum, or furs is limited to $1,000.00 for any one loss.
2. Coverage for bicycles is limited to $1,000.00.
3. Property in a personally owned automobile is covered, provided the vehicle was locked and windows were fully closed at the time of theft and there was visible evidence of forced entry into the vehicle.
—
We re-state all this information under this separate Frequently Asked Question because sometimes users don’t click through all questions/answers, and we want to make sure all prospective customers are fully informed 🙂.
5. Do I need my item receipts for coverage? What if I don't have them?
It is not a requirement to have receipts for the items you want to cover on your plan for claims of accidental damage.
For theft claims however, it is required that you show a copy of your stolen items’ purchase receipts. This is the quickest way for us to establish that you did in fact “own” the items you’ve claimed have been stolen.
However, if you no longer have copies of your receipts, proof of ownership of your items can be established through other means.
For example, you can try to contact the original seller/retailer you purchased items from as often they will have records going back a year or two of past transactions. You can try providing your name, phone number, email, or credit card number to try and track down a receipt for something you purchased.
For items you purchased used or through a 3rd party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to you by a seller stating the date you purchased an item, the amount paid, and what the item was. This can suffice as a purchase receipt! Including if you paid for items in cash.
As a best practice, keep track of your receipts! Have copies emailed to you when you purchase items, or take pictures of receipts and email them to yourself or make a habit of immediately uploading them to your AKKO account!
6. What items are NOT covered by an AKKO Plan?
We do not cover furniture.
We do not cover drones, automobile, motorcycle, boat, motor, aircraft or aircraft parts.
We do not cover any type of motorized land vehicle or other conveyances.
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
7. Does my AKKO Plan cover lost items and lost phones?
If you lose one of your belongings, you’ll need to evaluate the situation to determine whether it qualifies as theft or what’s called “mysterious disappearance” (i.e., you simply misplaced your belonging and have no idea where it went, or it is unrecoverable such as falling into a lake).
Use tools like Find My iPhone or Google’s Find My Device to try and recover your phone; similar services exist to track down a missing laptop or tablet. Take screenshots or record evidence of your attempts to recover your phone to provide the most complete set of evidence you can with your claims.
To receive reimbursement for a stolen phone or other item, you must have location tracking fully enabled in the AKKO Mobile App. You will be prompted to enable all settings when you iniitally setup your account and add your phone to your plan. Ensure location tracking is set to “Always allow” in your settings.
If you have an Android device:
Make sure Find My Device is also working and enabled. Go to your web browser, search for “Find My Device” and click the first result. Make sure you can see the device on a map displaying “last known location” along with the device name, make, and model.
If you have an iPhone:
The “Find My” app on iOS does not provide a history of your device’s location, which can help provide proof of theft for your claim or help you try and recover it. Instead, download the Google Maps app and be sure it is set to allow location access at all times. You can verify that your Google Maps timeline is available by checking here: https://www.google.com/maps/timeline
You will have to have location tracking fully enabled in the AKKO Mobile App if your phone or another item is stolen and you wish to seek reimbursement for a replacement under your plan’s reimbursement benefits.
The protection you get with one of AKKO’s protection plans will cover theft of any item if indicated in your plan overview and inclusions, but it will only cover one (1) incident of “mysterious disappearance” of a phone per 12 month period and be subject to the same replacement/theft deductible for your phone model as indicated in your account or on AKKO’s website under all other phone deductibles
8. Can I add multiple phones to my AKKO Plan?
Plans cannot be shared with friends, family members, or anyone else. All plans are per individual and will only cover items that the account holder owns.
All plans may have up to one (1) phone on them. To add more phones, you must purchase additional plans. Either Phone-Only or an Adult and/or Student AKKO Plan.
New Customers:
- Purchase AKKO Plans for your family/group: CLICK HERE
- Purchase multiple Phone-only protection plans: CLICK HERE
Current Members:
- Contact our billing team via Chat or email billing@getAKKO.com to add additional plans for new members/devices
– Did you already register multiple plans? Remember, each phone has its own login. Be sure to have each member of your group/family login to their own account using their own cell phone number to activate and register their protection. (more info)
9. When does my coverage take effect?
Your protection begins at 12:01 a.m. Standard Time at the location of your property the day after your account is created once payment is current and activation is completed.
There is a waiting period of 30 days before any coverage under your membership plan begins (including protection against accidental damages, device malfunctions/failures, theft, or lost phones). In situations where ample photo/video evidence is available, and all photo verification steps have been correctly completed for your item, this waiting period may be waived for cracked screen damages, but no other type of accidental damage, malfunctions, theft, or lost/unrecoverable phones.
Be sure to follow all instructions within your account for adding photos and information for your items. Photos of phones should be taken using the phone's cameras (front and rear) to provide pictures of the front screen and back of the device by taking the photos in front of a mirror.
Follow all instructions and examples provided in the AKKO Mobile or Web App.
10. Can I add items that are older or used to my protection plan?
Yes! The age or place where you purchased your items does not matter. As long as an item is eligible for protection, regardless of age or if you purchased it from a store or individual, you can add it to your plan and have it protected through AKKO against accidental damages and theft.
See what items are eligible for protection here.
NOTE: Mechanical/electrical component failures are only covered for portable electronic devices and TVs purchased new and within 120 days prior to your account registration or anytime after you registered your plan (except for phones, phones are covered for parts failures regardless of purchase date or if purchased used). Older items ARE still covered for accidental damage and theft as long as they are undamaged and fully functional! (see more info here)
RECEIPTS: For items you purchased used or through a 3rd party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to you by a seller stating the date you purchased an item, the amount paid and what the item was. You can also provide a screenshot of the purchase/order confirmation with this information listed.
This can suffice as a receipt should you be asked to provide one during a claim. However, for any claim of theft, you must also be able to provide proof of purchase (such as a record of a PayPal or Venmo payment or a copy of your credit card or bank statement showing the date and amount paid). Read this article for more information on receipts.
11. How Does Mechanical/Electrical Coverage Work for my Personal Electronics?
Our AKKO Plan ( $15/month plan that protects 1 phone + 25 items) includes a mechanical/electrical components failure protection guarantee for all your portable electronic devices and TVs that lasts for 36 months from the date of purchase of each device.
Portable electronic devices and TVs you add to your AKKO account for this protection must have been purchased "new" by you either within the 120 days prior to your registration, or anytime after you registered your plan. You must upload your purchase receipt with each device you wish to have this protection to your AKKO account.
It's basically like having FREE 3-year warranties on all of your portable electronic devices and TVs!
Terms:
For any of your portable electronic devices or TVs which already have an active warranty which covers mechanical/electrical component failures (either provided by the manufacturer of the device, a retailer/reseller, or third party) any claims pertaining to mechanical/electrical component failures would first go through your existing/included warranty.
After any existing warranty expires covering mechanical/electrical failures for your eligible devices, AKKO would take over for the remainder of the 36 month period starting from the date of purchase of the eligible portable electronic device or TV.
A portable electronic device is defined as any device which requires either an internal, or external battery to operate. In addition to portable electronics, this protection and these terms also apply to TVs. All claims are still subject to your plan's standard service fees/deductibles.
This special protection ends for your devices if you cancel your plan with AKKO and cannot be resumed even if you choose to then re-enroll with AKKO at a later point in time.
Your device will not be eligible for this coverage if it falls under the following categories:
1. What items are covered by an AKKO Plan?
Here is the key differences between our "Phone-Only" plans and our "Everything Protected" AKKO Plan:
The "Everything Protected" AKKO allows you to select, add, and protect one (1) phone + any 25 of your eligible belongings into your AKKO account. You can swap items in and out of your AKKO plan whenever you’d like!
Here is are the current eligible items:
Sports & Recreational Gear
Clothing & Accessories
Appliances (only counter-top):
Handheld/Portable Electronic Power Tools (only covered from accidental damage and theft)
School Supplies
NOTE: All plans are per individual and will only cover items owned by the plan holder. Individual plans cannot be shared with family or friends.
Adult and Student Plan accounts protect a maximum of one (1) phone. To cover additional phones, please purchase additional adult or student plans. There are no quantity limits on electronics and eligible items you want to add to your account.
Multiple plans may be purchased at a discount with billing bundled together!
2. What does an AKKO Plan protect me from?
3. What is the deductible on an AKKO Plan?
The deductibles for phones on our phone-only protection plans or our “Everything Protected” AKKO Plan ranges from $29 – $99 per claim based on the phone’s model. $99 is also the max deductible even for Theft or total replacement claims! (less than half the cost of most other protection providers.) Click here to view the deductibles for repairs/replacements on your specific phone make/model.
If you have one of our “Everything Protected” AKKO Plans which protects 1 phone + 25 other items, all other items besides your phone are subject to a $99 deductible for any incident of Accidental Damage or Theft.
This amount that is “deducted” from any reimbursement payout you receive exists so that individuals are still motivated to be careful with their stuff.
But with all of AKKO’s protection plans, we made sure to have the deductibles at least be set at easily affordable amounts for incidents of accidental damages, breakdowns, and theft, rather than the $150 – $400 deductibles seen on many other protections plans for phones, laptops, and other electronics and personal items.
Note: Deductibles for lost or unrecoverable phones are equal to the deductible for theft on the same phone model, but there is a limit of only 1 lost/unrecoverable phone claim covered per 12 months. Location tracking must be enabled in the AKKO Mobile App and set to “Always allow” on both iPhones and Android phones to be eligible for coverage for phones that are stolen, lost, or unrecoverable.
4. What is the coverage limit?
Phone-only Protection Plan Limits:
If you have a phone-only protection plan, the limit of protection is capped at the replacement cost value of your phone at the time of your claim for each claim you file. But there is no limit on how many claims you may file or any lifetime limit that AKKO will pay out!
This means that you will always be covered to get an exact replacement of your phone (down to the same make, model, color, technical specs, and carrier) anytime the device is damaged or stolen, no matter how many times it may be. There is no limit on the number of claims you may file and our plans are a subscription, so there is no "term length" (unlike a warranty, which may be 1-3 years). So your phone can be covered forever!
"Everything Protected" AKKO Plan Limits:
For our "Everything Protected" AKKO Plans, there is a protection limit of $2,000 PER INCIDENT** for any item. There are no annual protection limits or a limit on the number of claims you may file. Additionally, all protection is still based on the replacement cost value of your damaged/stolen items determined at the time of the claim. This means that if your laptop is stolen and costs $1,200 to replace at the time of the claim, you'll be reimbursed $1,200 (plus any applicable sales tax) less your deductible. You would not be reimbursed $2,000.
—
**$2,000 of protection PER INCIDENT means that if next week on Monday your laptop is stolen, up to the replacement value of your laptop is covered as long as that amount is less than $2,000.
If at another point in the same year, you drop your tablet and the screen is cracked, up to the repair or replacement value cost (if the device cannot be repaired) of the tablet is covered as well as long as it’s less than $2,000.
There is no annual limit of $2,000 that would be exhausted in case replacing your laptop costs $1,800 and replacing your tablet costs $500.
This demonstrates PER INCIDENT protection and the per incident limit with an AKKO Plan is $2,000. There is no annual limit.
HOWEVER, if during a single incident in which someone steals your entire backpack, containing your laptop and tablet, up to $2,000 total is covered to replace those items and any other contents of your backpack that were added to your AKKO account. So, if the combined replacement cost is above $2,000 for all these items, you would only have coverage up to $2,000 to be reimbursed.
Higher PER INCIDENT protection limits are available!
Once you’re registered, you can upgrade your plan to a PER INCIDENT limit as high as $10,000. However, the $2,000 of PER INCIDENT protection is more than enough for the majority of users based on our studies and the claims rates of currently protected AKKO users nationwide. But for those with more expensive items like a high-end laptop or specialty gear like photography or music/audio equipment, the option to upgrade your limit is available. To do so, simply contact us by going to the “billing” section of your account, and we can upgrade your limit.
—
Other limitations:
1. Coverage for jewelry, watches, rings, and other items consisting of gold, silver, platinum, or furs is limited to $1,000.00 for any one loss.
2. Coverage for bicycles is limited to $1,000.00.
3. Property in a personally owned automobile is covered, provided the vehicle was locked and windows were fully closed at the time of theft and there was visible evidence of forced entry into the vehicle.
—
We re-state all this information under this separate Frequently Asked Question because sometimes users don’t click through all questions/answers, and we want to make sure all prospective customers are fully informed 🙂.
5. Do I need my item receipts for coverage? What if I don't have them?
It is not a requirement to have receipts for the items you want to cover on your plan for claims of accidental damage.
For theft claims however, it is required that you show a copy of your stolen items’ purchase receipts. This is the quickest way for us to establish that you did in fact “own” the items you’ve claimed have been stolen.
However, if you no longer have copies of your receipts, proof of ownership of your items can be established through other means.
For example, you can try to contact the original seller/retailer you purchased items from as often they will have records going back a year or two of past transactions. You can try providing your name, phone number, email, or credit card number to try and track down a receipt for something you purchased.
For items you purchased used or through a 3rd party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to you by a seller stating the date you purchased an item, the amount paid, and what the item was. This can suffice as a purchase receipt! Including if you paid for items in cash.
As a best practice, keep track of your receipts! Have copies emailed to you when you purchase items, or take pictures of receipts and email them to yourself or make a habit of immediately uploading them to your AKKO account!
6. What items are NOT covered by an AKKO Plan?
We do not cover furniture.
We do not cover drones, automobile, motorcycle, boat, motor, aircraft or aircraft parts.
We do not cover any type of motorized land vehicle or other conveyances.
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
7. Does my AKKO Plan cover lost items and lost phones?
If you lose one of your belongings, you’ll need to evaluate the situation to determine whether it qualifies as theft or what’s called “mysterious disappearance” (i.e., you simply misplaced your belonging and have no idea where it went, or it is unrecoverable such as falling into a lake).
Use tools like Find My iPhone or Google’s Find My Device to try and recover your phone; similar services exist to track down a missing laptop or tablet. Take screenshots or record evidence of your attempts to recover your phone to provide the most complete set of evidence you can with your claims.
To receive reimbursement for a stolen phone or other item, you must have location tracking fully enabled in the AKKO Mobile App. You will be prompted to enable all settings when you iniitally setup your account and add your phone to your plan. Ensure location tracking is set to “Always allow” in your settings.
If you have an Android device:
Make sure Find My Device is also working and enabled. Go to your web browser, search for “Find My Device” and click the first result. Make sure you can see the device on a map displaying “last known location” along with the device name, make, and model.
If you have an iPhone:
The “Find My” app on iOS does not provide a history of your device’s location, which can help provide proof of theft for your claim or help you try and recover it. Instead, download the Google Maps app and be sure it is set to allow location access at all times. You can verify that your Google Maps timeline is available by checking here: https://www.google.com/maps/timeline
You will have to have location tracking fully enabled in the AKKO Mobile App if your phone or another item is stolen and you wish to seek reimbursement for a replacement under your plan’s reimbursement benefits.
The protection you get with one of AKKO’s protection plans will cover theft of any item if indicated in your plan overview and inclusions, but it will only cover one (1) incident of “mysterious disappearance” of a phone per 12 month period and be subject to the same replacement/theft deductible for your phone model as indicated in your account or on AKKO’s website under all other phone deductibles
8. Can I add multiple phones to my AKKO Plan?
Plans cannot be shared with friends, family members, or anyone else. All plans are per individual and will only cover items that the account holder owns.
All plans may have up to one (1) phone on them. To add more phones, you must purchase additional plans. Either Phone-Only or an Adult and/or Student AKKO Plan.
New Customers:
- Purchase AKKO Plans for your family/group: CLICK HERE
- Purchase multiple Phone-only protection plans: CLICK HERE
Current Members:
- Contact our billing team via Chat or email billing@getAKKO.com to add additional plans for new members/devices
– Did you already register multiple plans? Remember, each phone has its own login. Be sure to have each member of your group/family login to their own account using their own cell phone number to activate and register their protection. (more info)
9. When does my coverage take effect?
Your protection begins at 12:01 a.m. Standard Time at the location of your property the day after your account is created once payment is current and activation is completed.
There is a waiting period of 30 days before any coverage under your membership plan begins (including protection against accidental damages, device malfunctions/failures, theft, or lost phones). In situations where ample photo/video evidence is available, and all photo verification steps have been correctly completed for your item, this waiting period may be waived for cracked screen damages, but no other type of accidental damage, malfunctions, theft, or lost/unrecoverable phones.
Be sure to follow all instructions within your account for adding photos and information for your items. Photos of phones should be taken using the phone's cameras (front and rear) to provide pictures of the front screen and back of the device by taking the photos in front of a mirror.
Follow all instructions and examples provided in the AKKO Mobile or Web App.
10. Can I add items that are older or used to my protection plan?
Yes! The age or place where you purchased your items does not matter. As long as an item is eligible for protection, regardless of age or if you purchased it from a store or individual, you can add it to your plan and have it protected through AKKO against accidental damages and theft.
See what items are eligible for protection here.
NOTE: Mechanical/electrical component failures are only covered for portable electronic devices and TVs purchased new and within 120 days prior to your account registration or anytime after you registered your plan (except for phones, phones are covered for parts failures regardless of purchase date or if purchased used). Older items ARE still covered for accidental damage and theft as long as they are undamaged and fully functional! (see more info here)
RECEIPTS: For items you purchased used or through a 3rd party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to you by a seller stating the date you purchased an item, the amount paid and what the item was. You can also provide a screenshot of the purchase/order confirmation with this information listed.
This can suffice as a receipt should you be asked to provide one during a claim. However, for any claim of theft, you must also be able to provide proof of purchase (such as a record of a PayPal or Venmo payment or a copy of your credit card or bank statement showing the date and amount paid). Read this article for more information on receipts.
11. How Does Mechanical/Electrical Coverage Work for my Personal Electronics?
Our AKKO Plan ( $15/month plan that protects 1 phone + 25 items) includes a mechanical/electrical components failure protection guarantee for all your portable electronic devices and TVs that lasts for 36 months from the date of purchase of each device.
Portable electronic devices and TVs you add to your AKKO account for this protection must have been purchased "new" by you either within the 120 days prior to your registration, or anytime after you registered your plan. You must upload your purchase receipt with each device you wish to have this protection to your AKKO account.
It's basically like having FREE 3-year warranties on all of your portable electronic devices and TVs!
Terms:
For any of your portable electronic devices or TVs which already have an active warranty which covers mechanical/electrical component failures (either provided by the manufacturer of the device, a retailer/reseller, or third party) any claims pertaining to mechanical/electrical component failures would first go through your existing/included warranty.
After any existing warranty expires covering mechanical/electrical failures for your eligible devices, AKKO would take over for the remainder of the 36 month period starting from the date of purchase of the eligible portable electronic device or TV.
A portable electronic device is defined as any device which requires either an internal, or external battery to operate. In addition to portable electronics, this protection and these terms also apply to TVs. All claims are still subject to your plan's standard service fees/deductibles.
This special protection ends for your devices if you cancel your plan with AKKO and cannot be resumed even if you choose to then re-enroll with AKKO at a later point in time.
Your device will not be eligible for this coverage if it falls under the following categories:
1. What items are covered by an AKKO Plan?
Here is the key differences between our "Phone-Only" plans and our "Everything Protected" AKKO Plan:
The "Everything Protected" AKKO allows you to select, add, and protect one (1) phone + any 25 of your eligible belongings into your AKKO account. You can swap items in and out of your AKKO plan whenever you’d like!
Here is are the current eligible items:
Sports & Recreational Gear
Clothing & Accessories
Appliances (only counter-top):
Handheld/Portable Electronic Power Tools (only covered from accidental damage and theft)
School Supplies
NOTE: All plans are per individual and will only cover items owned by the plan holder. Individual plans cannot be shared with family or friends.
Adult and Student Plan accounts protect a maximum of one (1) phone. To cover additional phones, please purchase additional adult or student plans. There are no quantity limits on electronics and eligible items you want to add to your account.
Multiple plans may be purchased at a discount with billing bundled together!
2. What does an AKKO Plan protect me from?
3. What is the deductible on an AKKO Plan?
The deductibles for phones on our phone-only protection plans or our “Everything Protected” AKKO Plan ranges from $29 – $99 per claim based on the phone’s model. $99 is also the max deductible even for Theft or total replacement claims! (less than half the cost of most other protection providers.) Click here to view the deductibles for repairs/replacements on your specific phone make/model.
If you have one of our “Everything Protected” AKKO Plans which protects 1 phone + 25 other items, all other items besides your phone are subject to a $99 deductible for any incident of Accidental Damage or Theft.
This amount that is “deducted” from any reimbursement payout you receive exists so that individuals are still motivated to be careful with their stuff.
But with all of AKKO’s protection plans, we made sure to have the deductibles at least be set at easily affordable amounts for incidents of accidental damages, breakdowns, and theft, rather than the $150 – $400 deductibles seen on many other protections plans for phones, laptops, and other electronics and personal items.
Note: Deductibles for lost or unrecoverable phones are equal to the deductible for theft on the same phone model, but there is a limit of only 1 lost/unrecoverable phone claim covered per 12 months. Location tracking must be enabled in the AKKO Mobile App and set to “Always allow” on both iPhones and Android phones to be eligible for coverage for phones that are stolen, lost, or unrecoverable.
4. What is the coverage limit?
Phone-only Protection Plan Limits:
If you have a phone-only protection plan, the limit of protection is capped at the replacement cost value of your phone at the time of your claim for each claim you file. But there is no limit on how many claims you may file or any lifetime limit that AKKO will pay out!
This means that you will always be covered to get an exact replacement of your phone (down to the same make, model, color, technical specs, and carrier) anytime the device is damaged or stolen, no matter how many times it may be. There is no limit on the number of claims you may file and our plans are a subscription, so there is no "term length" (unlike a warranty, which may be 1-3 years). So your phone can be covered forever!
"Everything Protected" AKKO Plan Limits:
For our "Everything Protected" AKKO Plans, there is a protection limit of $2,000 PER INCIDENT** for any item. There are no annual protection limits or a limit on the number of claims you may file. Additionally, all protection is still based on the replacement cost value of your damaged/stolen items determined at the time of the claim. This means that if your laptop is stolen and costs $1,200 to replace at the time of the claim, you'll be reimbursed $1,200 (plus any applicable sales tax) less your deductible. You would not be reimbursed $2,000.
—
**$2,000 of protection PER INCIDENT means that if next week on Monday your laptop is stolen, up to the replacement value of your laptop is covered as long as that amount is less than $2,000.
If at another point in the same year, you drop your tablet and the screen is cracked, up to the repair or replacement value cost (if the device cannot be repaired) of the tablet is covered as well as long as it’s less than $2,000.
There is no annual limit of $2,000 that would be exhausted in case replacing your laptop costs $1,800 and replacing your tablet costs $500.
This demonstrates PER INCIDENT protection and the per incident limit with an AKKO Plan is $2,000. There is no annual limit.
HOWEVER, if during a single incident in which someone steals your entire backpack, containing your laptop and tablet, up to $2,000 total is covered to replace those items and any other contents of your backpack that were added to your AKKO account. So, if the combined replacement cost is above $2,000 for all these items, you would only have coverage up to $2,000 to be reimbursed.
Higher PER INCIDENT protection limits are available!
Once you’re registered, you can upgrade your plan to a PER INCIDENT limit as high as $10,000. However, the $2,000 of PER INCIDENT protection is more than enough for the majority of users based on our studies and the claims rates of currently protected AKKO users nationwide. But for those with more expensive items like a high-end laptop or specialty gear like photography or music/audio equipment, the option to upgrade your limit is available. To do so, simply contact us by going to the “billing” section of your account, and we can upgrade your limit.
—
Other limitations:
1. Coverage for jewelry, watches, rings, and other items consisting of gold, silver, platinum, or furs is limited to $1,000.00 for any one loss.
2. Coverage for bicycles is limited to $1,000.00.
3. Property in a personally owned automobile is covered, provided the vehicle was locked and windows were fully closed at the time of theft and there was visible evidence of forced entry into the vehicle.
—
We re-state all this information under this separate Frequently Asked Question because sometimes users don’t click through all questions/answers, and we want to make sure all prospective customers are fully informed 🙂.
5. Do I need my item receipts for coverage? What if I don't have them?
It is not a requirement to have receipts for the items you want to cover on your plan for claims of accidental damage.
For theft claims however, it is required that you show a copy of your stolen items’ purchase receipts. This is the quickest way for us to establish that you did in fact “own” the items you’ve claimed have been stolen.
However, if you no longer have copies of your receipts, proof of ownership of your items can be established through other means.
For example, you can try to contact the original seller/retailer you purchased items from as often they will have records going back a year or two of past transactions. You can try providing your name, phone number, email, or credit card number to try and track down a receipt for something you purchased.
For items you purchased used or through a 3rd party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to you by a seller stating the date you purchased an item, the amount paid, and what the item was. This can suffice as a purchase receipt! Including if you paid for items in cash.
As a best practice, keep track of your receipts! Have copies emailed to you when you purchase items, or take pictures of receipts and email them to yourself or make a habit of immediately uploading them to your AKKO account!
6. What items are NOT covered by an AKKO Plan?
We do not cover furniture.
We do not cover drones, automobile, motorcycle, boat, motor, aircraft or aircraft parts.
We do not cover any type of motorized land vehicle or other conveyances.
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
AKKO does not cover:
7. Does my AKKO Plan cover lost items and lost phones?
If you lose one of your belongings, you’ll need to evaluate the situation to determine whether it qualifies as theft or what’s called “mysterious disappearance” (i.e., you simply misplaced your belonging and have no idea where it went, or it is unrecoverable such as falling into a lake).
Use tools like Find My iPhone or Google’s Find My Device to try and recover your phone; similar services exist to track down a missing laptop or tablet. Take screenshots or record evidence of your attempts to recover your phone to provide the most complete set of evidence you can with your claims.
To receive reimbursement for a stolen phone or other item, you must have location tracking fully enabled in the AKKO Mobile App. You will be prompted to enable all settings when you iniitally setup your account and add your phone to your plan. Ensure location tracking is set to “Always allow” in your settings.
If you have an Android device:
Make sure Find My Device is also working and enabled. Go to your web browser, search for “Find My Device” and click the first result. Make sure you can see the device on a map displaying “last known location” along with the device name, make, and model.
If you have an iPhone:
The “Find My” app on iOS does not provide a history of your device’s location, which can help provide proof of theft for your claim or help you try and recover it. Instead, download the Google Maps app and be sure it is set to allow location access at all times. You can verify that your Google Maps timeline is available by checking here: https://www.google.com/maps/timeline
You will have to have location tracking fully enabled in the AKKO Mobile App if your phone or another item is stolen and you wish to seek reimbursement for a replacement under your plan’s reimbursement benefits.
The protection you get with one of AKKO’s protection plans will cover theft of any item if indicated in your plan overview and inclusions, but it will only cover one (1) incident of “mysterious disappearance” of a phone per 12 month period and be subject to the same replacement/theft deductible for your phone model as indicated in your account or on AKKO’s website under all other phone deductibles
8. Can I add multiple phones to my AKKO Plan?
Plans cannot be shared with friends, family members, or anyone else. All plans are per individual and will only cover items that the account holder owns.
All plans may have up to one (1) phone on them. To add more phones, you must purchase additional plans. Either Phone-Only or an Adult and/or Student AKKO Plan.
New Customers:
- Purchase AKKO Plans for your family/group: CLICK HERE
- Purchase multiple Phone-only protection plans: CLICK HERE
Current Members:
- Contact our billing team via Chat or email billing@getAKKO.com to add additional plans for new members/devices
– Did you already register multiple plans? Remember, each phone has its own login. Be sure to have each member of your group/family login to their own account using their own cell phone number to activate and register their protection. (more info)
9. When does my coverage take effect?
Your protection begins at 12:01 a.m. Standard Time at the location of your property the day after your account is created once payment is current and activation is completed.
There is a waiting period of 30 days before any coverage under your membership plan begins (including protection against accidental damages, device malfunctions/failures, theft, or lost phones). In situations where ample photo/video evidence is available, and all photo verification steps have been correctly completed for your item, this waiting period may be waived for cracked screen damages, but no other type of accidental damage, malfunctions, theft, or lost/unrecoverable phones.
Be sure to follow all instructions within your account for adding photos and information for your items. Photos of phones should be taken using the phone's cameras (front and rear) to provide pictures of the front screen and back of the device by taking the photos in front of a mirror.
Follow all instructions and examples provided in the AKKO Mobile or Web App.
10. Can I add items that are older or used to my protection plan?
Yes! The age or place where you purchased your items does not matter. As long as an item is eligible for protection, regardless of age or if you purchased it from a store or individual, you can add it to your plan and have it protected through AKKO against accidental damages and theft.
See what items are eligible for protection here.
NOTE: Mechanical/electrical component failures are only covered for portable electronic devices and TVs purchased new and within 120 days prior to your account registration or anytime after you registered your plan (except for phones, phones are covered for parts failures regardless of purchase date or if purchased used). Older items ARE still covered for accidental damage and theft as long as they are undamaged and fully functional! (see more info here)
RECEIPTS: For items you purchased used or through a 3rd party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to you by a seller stating the date you purchased an item, the amount paid and what the item was. You can also provide a screenshot of the purchase/order confirmation with this information listed.
This can suffice as a receipt should you be asked to provide one during a claim. However, for any claim of theft, you must also be able to provide proof of purchase (such as a record of a PayPal or Venmo payment or a copy of your credit card or bank statement showing the date and amount paid). Read this article for more information on receipts.
11. How Does Mechanical/Electrical Coverage Work for my Personal Electronics?
Our AKKO Plan ( $15/month plan that protects 1 phone + 25 items) includes a mechanical/electrical components failure protection guarantee for all your portable electronic devices and TVs that lasts for 36 months from the date of purchase of each device.
Portable electronic devices and TVs you add to your AKKO account for this protection must have been purchased "new" by you either within the 120 days prior to your registration, or anytime after you registered your plan. You must upload your purchase receipt with each device you wish to have this protection to your AKKO account.
It's basically like having FREE 3-year warranties on all of your portable electronic devices and TVs!
Terms:
For any of your portable electronic devices or TVs which already have an active warranty which covers mechanical/electrical component failures (either provided by the manufacturer of the device, a retailer/reseller, or third party) any claims pertaining to mechanical/electrical component failures would first go through your existing/included warranty.
After any existing warranty expires covering mechanical/electrical failures for your eligible devices, AKKO would take over for the remainder of the 36 month period starting from the date of purchase of the eligible portable electronic device or TV.
A portable electronic device is defined as any device which requires either an internal, or external battery to operate. In addition to portable electronics, this protection and these terms also apply to TVs. All claims are still subject to your plan's standard service fees/deductibles.
This special protection ends for your devices if you cancel your plan with AKKO and cannot be resumed even if you choose to then re-enroll with AKKO at a later point in time.
Your device will not be eligible for this coverage if it falls under the following categories:
Don’t worry, a lot of people sometimes think this sounds “too good to be true” so we get asked a lot of questions. Below are the answers to the most frequent questions. If you have any others, just ask us! 🙂
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Protect your phone against damage or breakdowns
from $5/mo
Protect multiple phones against damage, breakdowns, and theft
from $10/mo
Protect 1 phone + 25 items per plan. Personal and home electronics and more!
$15/mo
Protect unlimited devices at a single address
$25/mo
Protect unlimited phones and devices at a single address
$50/mo
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