AppleCare One Family Is $599.88 a Year for Six People, and They Share Six Claims

Apple iPhone 18 Pro color lineup
Image: Apple

AppleCare One Family goes on sale on Monday, September 14 at $49.99 a month, covering up to six people set up through Family Sharing. That works out to $599.88 for a year and $1,799.64 over three years on our arithmetic on published figures, and the whole household shares six claims a year between them.

Apple Watch Series 12 2up
Apple Watch Series 12 is one of the three product types listed for theft and loss protection. Image: Apple

The claim count, not the device count, is the number that decides whether the plan fits. Apple says newly purchased devices are added automatically at no extra cost and that the price stays the same regardless of how many eligible products end up covered, so a household can keep adding hardware to a fixed monthly bill while the pool of claims stays at six.

What Apple has published, and the two figures it has not

Both AppleCare subscriptions now have a confirmed price. The per-device AppleCare+ prices do not: Apple’s support pricing pages carry rows for the iPhone 18 Pro, iPhone Duo, AirPods 5, Apple Watch Series 12 and Ultra 4 with no monthly or annual figure printed against any of them.

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Key factFigureStatus
AppleCare One$19.99 a month, up to three productsConfirmed
Each device beyond three$5.99 a monthConfirmed
AppleCare One Family$49.99 a month, up to six peopleConfirmed
Claims allowedSix a year, across the groupConfirmed
On sale fromMonday, September 14, 2026Confirmed
AppleCare+ per device, new productsNo figure publishedNot published
Repair prices, new productsNo figure publishedNot published
Apple AirPods 5 hero
AirPods 5 can be covered, but Apple does not name earbuds in the theft and loss wording. Image: Apple

What the two plans cost over a year and three years

Apple quotes both plans monthly and stops there. Multiplying out is ours, and it is the only way to see what a subscription that never ends actually commits a household to.

PlanA month12 months36 months
AppleCare One, three products$19.99$239.88$719.64
AppleCare One, four products$25.98$311.76$935.28
AppleCare One, five products$31.97$383.64$1,150.92
AppleCare One Family$49.99$599.88$1,799.64

The gap between the top row and the bottom one is $30.00 a month, or $360.00 a year on our arithmetic. Spread across six people, the Family plan works out at $8.33 each a month, and $99.98 each across a year.

Apple iPhone Duo colors
iPhone Duo ships October 23 with no published AppleCare+ price of its own. Image: Apple

Six claims, shared six ways

Apple’s published benefits are the AppleCare+ set: accidental damage from drops and spills, battery service, and priority support from Apple experts. Theft and loss protection is included for eligible iPhone, iPad and Apple Watch models.

The limit is six total claims per year across the group. Divide the annual cost by that ceiling and a household that uses every claim pays $99.98 per claim, while a household that files one pays $599.88 for it, on our arithmetic. Apple has not published what happens when a seventh claim is needed, and it has not published a per-incident service fee for either plan.

What the plan names, and what it leaves out

  • Theft and loss is listed for iPhone, iPad and Apple Watch. Apple does not name Mac or AirPods in that part of the description.
  • Eligibility is limited to most devices less than four years old and in good working condition, in Apple’s own wording.
  • Apple Certified Refurbished devices can be covered: Apple’s refurbished pages offer the option of adding AppleCare products.
  • Apple Upgrade, the Klarna lease that replaced the iPhone Upgrade Program, does not include AppleCare. A leased iPhone Duo or iPhone 18 Pro needs its own coverage line in the budget.

What has not been confirmed

  • No AppleCare+ price for any product Apple launched in September 2026, which leaves per-device coverage impossible to cost.
  • No per-incident service fee, deductible or excess published for AppleCare One or AppleCare One Family.
  • No published answer on what a household does after its sixth claim in a year.
  • No repair price for the iPhone 18 Pro, iPhone Duo, AirPods 5 or the new watches, so the cost of going uncovered cannot be compared with the cost of covering.

AppleCare One Family arrives on Monday, September 14, the same day iOS 27 ships. Pre-orders for the iPhone 18 Pro open today, Saturday, September 12 at 5 a.m. Pacific, and the Apple Watch Series 12 reaches stores on Friday, September 18, which is where the first coverage decisions land.