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Apple care one time fee $100 has a lower deductible $50.00 or sometimes free and 2 claims a year I believe and only lasts 2 years . Verizon total coverage is $10.00 a month and $169.99 deductible and 2 claims a year but it's available as long as you have the phone. AppleCare is the better deal it seems if you're only keeping the phone 2 years or less.