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Susan Lennon’s iPhone gets stolen in the mail, but Apple assures her she can use her AppleCare coverage for its replacement. So why is it asking her to sign up again for AppleCare?

Q: I’ve had an ongoing nightmare with Apple since last October when the new iPhone14 Pro I ordered online was stolen between the Apple store and my home.

I purchased AppleCare coverage to go with the phone. When I ordered a replacement, I asked if I needed to cancel and repurchase AppleCare. A representative told me I didn’t and that it would be automatically appended to the new phone.

I did not get a refund, and I assumed naïvely that it was all taken care of. Fast forward to earlier this year when I got a notice in my settings that I had one day left to purchase AppleCare on my current phone. This set in motion a process that is still not resolved. I have been an Apple customer since 2008, and this is the worst experience I have ever had. I want a refund of $270 for AppleCare. Can you help? — Susan Lennon, Rocky Hill, Conn.

A: Apple should have been able to transfer your AppleCare coverage from your stolen phone to your replacement. At least that’s how I read the company’s terms and conditions, which say that if Apple replaces your device, it will “automatically transfer your plan to your new device.”

What went wrong? A closer look at Apple’s rules suggests that it can’t transfer some AppleCare policies, and your iPhone — because it was stolen — may not have qualified. If it didn’t, someone from Apple should have told you immediately.

But before we get to the resolution, here’s an obvious question: Is AppleCare worth getting? AppleCare is an insurance product that covers repairing or replacing your Apple device in case of accidental damage. It also gives you priority access to the Apple telephone technical support line if your iPhone or MacBook stops working properly.

I believe AppleCare should not be necessary. The company ought to repair or replace its products and offer priority customer care for all of its products, regardless of warranty status. But technology companies like Apple can earn hundreds of millions of dollars by selling customers a promise to take care of their devices, so who am I to interfere?

Getting the attention of someone at Apple should have been easy. But it wasn’t, and I think I know why. Since AppleCare doesn’t typically cover a stolen phone, and you didn’t have the AppleCare conversation in writing, there was no record that Apple had agreed to transfer the policy.

Apple failed to help you through normal customer service channels, which is highly unusual. I list Apple’s executives’ names, numbers and email addresses on my consumer advocacy site, Elliott.org. A brief, polite email to one of them might have helped.

I contacted Apple on your behalf. Separately, you also sent an email to Apple’s CEO. Apple’s executives responded and credited you for the total amount of your iPhone’s AppleCare plan.