through its Site Ensquared.ca has quickly established itself as the leading
phone insurance company in Canada. Any Canadian customer researching phone
insurance will one way or another connect with the Ensquared insurance
products offered
on iPhone, Android, Wndows and Blackberry devices

As a rule
Canadian customers are not as educated in the phone insurance arena. In US cell
insurance has been a prevalent offer program for many years and is a
multi-million $ industry.
There is often confusion when reviewing products and understanding the
difference between phone insurance and Phone warranties. Ensquared has
consistently put out articles on its Site to educate its customers

customers should know that there is a factory warranty on all devices,
including iPhone that covers buyers for factory defects in Year one – but
factory defects only. When extended warranty is offered it still only covers
factory defects (which is not accidental damage), but in the second
year after factory warranty expires. This is
most often offered by companies that do not really insure for multiple claims
on damage, loss or theft; or give a capped warranty value. Capped
means that once it is used
up (often only 1 claim or less) all that is left for the buyer of the
coverage is extended warranty.

There is a
vast difference between providers offering warranties and those offering core
phone insurance like Ensquared – the leader in its field, and foremost on the
Internet in North America covering US and Canada The key differences
boil down to coverage for Accidental Damage
(spills, drops, breakages - you name it) as well as Lost or Stolen. Most
important a premium buys the insured at least two claims in one year
for maximum $1300 per claim (at Ensquared anyway) and three
claims in two years. Each claim is independent of any other, which is
not the case with warranties. Warranties result in capped value being
reduced with each claim. Also: It is notable that warrantors
are often self-covered while insurers are in partnership with a
licensed recognized
underwriter like Trisura in Canada (and Fortegra in US). This gives
the insured a
lot of comfort, makes the pedigree transparent and does not confuse the buyer
with convoluted products that are either one off claim programs or are covering
only factory defects once the factory back-up falls away.

All this is
very pertinent especially on iPhone coverage where accidental damage
or losing one’s
device is very expensive. Warranties falls way short of meeting requirements of
the many iPhone owners; where losing your phone in the snow is a biggie and
damages are generally irreparable and absolutely require full
replacement. Extended
warranty cover is like stopping a bullet with tissue paper by comparison to
real cell insurance, by comparison an armor plated product

See More: Ensquared Phone Insurance Vs Manufacturer Warranty in Canada