Coverage & Exclusions

Subtitle: Determine whether a customer's reported issue may qualify for coverage.

What Does the Plan Cover?

USAA Device Protection may cover the cost of repairing or replacing an eligible Covered Device when it experiences a covered:

Accidental Damage

Accidental Damage includes incidents such as:

Cracked screens
Drops
Liquid spills
Similar accidental events associated with normal handling and use of the device

Malfunction

A Malfunction is a failure of the Covered Device to operate normally due to an eligible operational or structural failure, including certain defects in materials or workmanship.

Coverage is always subject to the customer's specific plan terms and eligibility.

Common Exclusions

The plan does not cover certain losses or damage, including:

Lost devices
Stolen devices
Normal wear and tear
Cosmetic damage that does not affect device functionality
Intentional damage, abuse or reckless use
Accessories or peripheral equipment
Preventative maintenance
Damage covered under a manufacturer's, distributor's or seller's warranty
Pre-existing conditions when applicable
Devices that have been materially misrepresented
Certain damage caused by improper operation, modification or unauthorized repair
Devices purchased for resale or professional/commercial use
Damage occurring while the device is in storage or transit, except as provided under the plan

Cosmetic Damage

Cosmetic damage includes superficial scratches, scrapes, chips, abrasions and similar damage that does not affect the functionality of the device.

Cosmetic damage alone is not covered.

A cracked screen is not considered cosmetic damage under the plan definition.

Agent Reminder

Do not determine eligibility based only on the customer's description of the damage.

Review:

Coverage dates
Waiting period
Incident date
Type/cause of damage or malfunction
Device eligibility
Applicable exclusions
Required supporting documentation

Final coverage is determined according to the customer's applicable plan terms.