How To Add Insurance On T Mobile Phone? T-Mobile’s coverage has improved a lot over the years and today this carrier offers some of the best cell phone plans out there. There’s no better time to join un-carrier, especially if you’re a heavy data user and want to start taking advantage of 5G. T-Mobile is the national leader in 5G coverage and has some of the most ambitious plans to continue expanding its 5G spectrum across the country with greater speed and capacity.
If you just got a new 5G phone like the iPhone 13 or are considering switching to T-Mobile, adding T-Mobile phone insurance is a great way to protect your shiny new device in case something goes wrong. . While most of us overlook phone protection plans, here’s what you need to know to make the right choice for you.
WHAT IS T-MOBILE PHONE INSURANCE?
We’ve all had a device that stopped working or was stolen one day while on vacation in Europe. If that doesn’t sound familiar to you, consider yourself lucky. Accidents happen more often than we think, and that’s where a great phone insurance plan comes in. If you’re new to T-Mobile and recently bought a new device, you have the option to protect your investment with one of their phone insurance plans. : Device security or 360 security.
Both Device Protection and Protection 360 protect your new phone in case it breaks due to mechanical or hardware problems, or is accidentally damaged, lost, or stolen. Phone insurance is useful because it protects your device even after the manufacturer’s warranty has expired, which can end up saving you a lot of money.
Why Add Insurance to Your T-Mobile Phone?
Before delving into the steps of adding insurance, let’s quickly address why it’s crucial to consider phone insurance in the first place. A T-Mobile phone insurance plan can offer the following benefits:
- Accident Protection: Accidents happen, and they can result in cracked screens, water damage, or other issues. Phone insurance can cover the cost of repairs or replacement due to accidental damage.
- Loss and Theft Coverage: Losing your phone or experiencing theft can be distressing. With insurance, you can get a replacement device, so you don’t have to bear the full cost of a new phone.
- Malfunction Coverage: Sometimes, devices experience technical malfunctions that are beyond our control. Phone insurance can help you get a replacement or repair in such cases.
- Peace of Mind: Knowing that your phone is protected gives you peace of mind, allowing you to enjoy your device without worrying about unexpected expenses.
WHO CAN APPLY FOR T-MOBILE PHONE INSURANCE?
To take advantage of T-Mobile phone insurance, you must be a T-Mobile postpaid customer and enroll within 30 days of purchasing a qualifying T-Mobile device. If you bought your device yourself (e.g. directly from the manufacturer) or want to enroll after those 30 days, you’ll need to take your device to a T-Mobile store for inspection. While it’s still possible to enroll, it’s easier to decide once you buy the device.
HOW MUCH DOES T-MOBILE PHONE INSURANCE COST?
T-Mobile phone insurance, especially Protection 360, can cost between $7 a month plus tax to $18 a month plus tax, depending on the device you have. The more expensive the device, the more you can expect phone insurance. Paying $18 a month means at least $216 a year in phone insurance.
T-Mobile Insurance Options Comparison
T-Mobile offers three levels of insurance: Protection 360, Basic Device Protection, and Premium Handset Protection for prepaid phones. Coverage and prices depend on the tier you choose.
|PROTECTION 360||BASIC DEVICE PROTECTION||PREMIUM HANDSET PROTECTION (Prepaid Only)|
|MONTHLY PREMIUM||$7 – $15||$6 – $14||$8|
|COVERS||Malfunctions, accidental damage (incl. cracked screens & water damage), loss & theft Phone, charger, battery & SIM card (if applicable). Other original accessories are only covered if they are lost or stolen with the phone||Malfunctions, accidental damage (incl. cracked screens & water damage), loss & theft Phone, charger, battery & SIM card (if applicable). Other original accessories are only covered if they are lost or stolen with the phone||Malfunctions, accidental damage (incl. cracked screens & water damage), loss & theft Phone, charger, battery & SIM card (if applicable). Other original accessories are only covered if they are lost or stolen with the phone|
|DOES NOT COVER||Damages from abuse, misuse, fire, unauthorized repairs, intentional or cosmetic damage, Acts of God||Damages from abuse, misuse, fire, unauthorized repairs, intentional or cosmetic damage, Acts of God||Damages from corrosion or rust, failure to follow maintenance guidelines, intentional damage, unauthorized repairs, power fluctuations|
|MALFUNCTIONING PHONE DEDUCTIBLE||$0 ($5 processing fee for replacement phones)||$0 ($5 processing fee for replacement phones)||$0 ($5 processing fee for replacement phones)|
|ACCIDENTAL DAMAGE DEDUCTIBLE||$10 – $99||$10 – $249||$20 – $175|
|LOSS OR THEFT DEDUCTIBLE||$10 – $249||$10 – $249||$20 – $175|
|CLAIM LIMITS||3 within 12 months||2 within 12 months||2 within 12 months|
|ADDITIONAL SERVICES||JUMP! upgrades AppleCare (iPhones only) Unlimited screen protector replacements McAfee Security with ID Theft Protection Tech PHD by Assurant||n/a||n/a|
T-Mobile’s most comprehensive insurance plan covers device failure, accidental damage (including broken screens and water damage), loss, and theft. Your phone, standard charger, standard battery, and SIM card (if applicable) are covered.
Additional accessories that come with your phone are only covered if they are lost or stolen from your phone. The subscription comes with 24 months of AppleCare for iPhone users.
The plan does not cover damage from abuse, misuse or fire, intentional or cosmetic damage, pre-existing circumstances, unauthorized repairs by suppliers, manufacturer recalls, or acts of God.
There is no deductible or claim limit for defective devices, although there is a $5 handling fee for replacement phones. The deductible for accidental damage ranges from $10 to $99, depending on the type of phone you have.
If you have an iPhone, the deductible for a broken screen is $29. The deductible for loss and theft ranges from $10 to $249, depending on the phone (BYOD phones are considered Tier 5).
|TIER (phone value)||MONTHLY PREMIUM||DEDUCTIBLES||EXAMPLES|
|1 (up to $150)||$7||Accidental Damage: $10 Loss/Theft: $10||Alcatel 665 Huawei Prism II LG K10|
|2 ($150 – $350)||$9||Accidental Damage: $49 Loss/Theft: $49||HTC Amaze 4G LG V20 Samsung Galaxy S5|
|3 ($350 – $600)||$12||Accidental Damage: $99 (or $29 for iPhone screen repair) Loss/Theft: $99||iPhone 4, 5, 6s & SE Samsung Galaxy S6 & S7 LG G3, G5 & G6|
|4 ($600 – $800)||$14||Accidental Damage: $99 (or $29 for iPhone screen repair) Loss/Theft: $149||iPhone 6, 6s Plus, 7 & 7 Plus Galaxy Note 5, S6 Edge, S6 Edge+, S7 Edge, S8, S9|
|5 ($800 – $1,200)||$15||Accidental Damage: $99 (or $29 for iPhone screen repair) Loss/Theft: $249||iPhone 8, 8 Plus, XS, XS Max Galaxy S10, S10+, Note 8 & Note 9 LG V10 & V30+|
The plan limits you to 3 accidental damage claims within 12 months. iPhone users get 2 claims under AppleCare; T-Mobile would cover a third claim, but you’d have a $99 deductible for a broken iPhone screen (compared to AppleCare’s standard $29 deductible).
Is Apple’s Upgrade Program a Good Deal? Probably not.
T-Mobile Protection 360 also comes with JUMP! updates (after 12 months or when 50 percent of your phone is paid off), McAfee Security with identity theft protection, unlimited screen protector replacements, and Tech Ph.D. by Assurant, which supports connected devices and handles non-AppleCare insurance claims. Monthly premiums range from $7 to $15 per month, depending on the value of your phone.
Basic Device Protection
T-Mobile’s basic device protection plan covers broken phones, accidental damage (including cracked screens and water damage), loss, and theft. Like Protection 360, the plan covers your phone, charger, battery, and SIM card; and other accessories are only covered if they are lost or stolen with your phone. Do not offer JUMP! accelerated. updates, AppleCare services, unlimited screen protector replacement, McAfee Security or Tech Ph.D.
The plan is limited to 2 claims within 12 months. Coverage limitations and exclusions are identical to Protection 360, meaning it does not cover damage from abuse, misuse or fire, intentional or cosmetic damage, pre-existing circumstances, unauthorized supplier repairs, recalls, or acts of God.
Is T-Mobile’s trade-in program a good deal?
There are no deductibles or claim limitations for defective devices, although T-Mobile will charge a $5 handling fee for replacement phones. Deductibles for accidental damage, loss, and theft range from $10 to $249, depending on the value of your phone.
Basic Device Protection costs $1 per month per tier less than Protection 360, ranging from $6 to $14 per month (BYOD phones are considered Tier 5). Keep in mind that the deductible for accidental damage for Tier 4 and 5 phones is $149 and $249, compared to $99 on the Protection 360 plan, so if you have an expensive phone it might be worth it worth paying an extra $1 per month for Protection 360.
|TIER (phone value)||MONTHLY PREMIUM||DEDUCTIBLE (accidental damage, loss & theft)||EXAMPLES|
|1 (up to $150)||$6||$10||Alcatel 665 Huawei Prism II LG K10|
|2 ($150 – $350)||$8||$49||HTC Amaze 4G LG V20 Samsung Galaxy S5|
|3 ($350 – $600)||$11||$99||iPhone 4, 5, 6s & SE Samsung Galaxy S6 & S7 LG G3, G5 & G6|
|4 ($600 – $800)||$13||$149||iPhone 6, 6s Plus, 7 & 7 Plus Galaxy Note 5, S6 Edge, S6 Edge+, S7 Edge, S8, S9|
|5 ($800 – $1,200)||$14||$249||iPhone 8, 8 Plus, XS, XS Max Galaxy S10, S10+, Note 8 & Note 9 LG V10 & V30+|
This insurance plan is exclusive to T-Mobile prepaid phone customers. Covers phones that are defective, accidental damage (including cracked screens and water damage), loss, and theft. Deductibles range from $20 to $175, depending on the phone you have.
The plan covers 2 claims within 12 months. Your phone, standard charger, standard battery, and SIM card (if applicable) are covered. Additional accessories are covered if they are lost or stolen with your phone.
|TIER (phone value)||MONTHLY PREMIUM||DEDUCTIBLE (all claims)|
|1 (up to $200)||$8||$20|
|2 ($200 – $300)||$8||$50|
|3 ($300 – $500)||$8||$100|
|4 ($500 – $700)||$8||$150|
|5 ($700 – $900)||$8||$175|
The plan does not cover corrosion or rust damage, failure to follow maintenance guidelines, intentional damage, unauthorized repairs, pre-existing conditions, warranty claims, or power fluctuations. The price is $8 per month for all prepaid phones.
WHAT ARE THE BENEFITS OF T-MOBILE PHONE INSURANCE?
T-Mobile offers two types of phone insurance: Device Protection and Protection 360. If you’re looking for the best possible coverage, Protection 360 is T-Mobile’s most comprehensive insurance policy. If you’re not sure, both insurance policies include the following:
- Submit a handy claim
- Comprehensive coverage for hardware service problems (mechanical failure), accidental damage, loss, and abandonment
- Minimum six-month replacement warranty coverage
- Low costs and deductible for a new replacement device
In addition, the Protection 360 plan includes:
- AppleCare services
- McAfee Security for T-Mobile with Identity Theft Protection
- Doctor of Technology from Assurant to claim connected devices such as routers, game consoles, and smart TVs
- Unlimited replacement screen protectors at T-Mobile stores
Also note that Device Protection will accept up to two approved claims within 12 months, while Protection 360 will accept up to three claims for accidental damage, loss, or theft and all claims are subject to a service charge or deductible. But if you have hardware issues, there is no maximum number of claims you can make under either plan.
HOW DO I FILE A CLAIM UNDER THE T-MOBILE PHONE INSURANCE?
If you have encountered any of the scenarios covered by your phone’s insurance (loss, theft, damage, or hardware failure), you can file a claim online through the Tech Ph.D. app, or by calling Assurant at 1-866-866-6285 or Asurion at 1-866-268-7221. For any claim for accidental damage, loss, or theft, record the make and model of your device, the date of the incident, and the last time you used the device. You should also be ready to share your user ID and password information, as well as have your ID handy.
If you report a hardware problem, such as a malfunction or a phone that is not working properly, you can contact T-Mobile directly at 1-800-T-MOBILE or 1-800-937-8997 to request a replacement.
What is the T-Mobile Insurance Claim Phone Number?
What is the T-Mobile insurance claim phone number? To file a claim, you can call T-Mobile’s dedicated claim support line at 1-866-866-6285. This number is essential to remember if you ever find yourself facing a damaged or lost phone, as it will connect you to the right support to initiate your claim process.
Filing a Phone Protection Claim with T-Mobile
Filing a phone protection claim with T-Mobile is a straightforward process. Whether you accidentally dropped your phone, lost it, or encountered a malfunction, T-Mobile’s protection plans have got you covered. Here’s a step-by-step guide on how to file a claim:
Assess the Situation
Before filing a claim, evaluate the extent of damage to your phone or determine if it’s lost. If it’s a malfunction or technical issue, try troubleshooting or reaching out to T-Mobile customer support for assistance.
Once you are sure you need to file a claim, dial the T-Mobile insurance claim phone number 1-866-866-6285. The support team will guide you through the next steps and provide the necessary information regarding your claim.
Provide Relevant Information
During the call, you will be asked to provide essential details about your device, the issue, and any relevant circumstances leading to the claim. Make sure to have your account information and device details readily available.
Pay the Deductible
Depending on your phone protection plan, there may be a deductible associated with the claim. The support team will inform you about the deductible amount and how to make the payment.
After completing the claim process, you will receive instructions on how to proceed further. This may involve sending the damaged device to T-Mobile or visiting a nearby T-Mobile store for assistance.
Wait for Resolution
T-Mobile will review your claim and determine if it meets the coverage criteria. Once approved, you will receive a replacement device or repair service, as per your protection plan’s terms.
How Does T-Mobile Phone Protection Plan Work?
T-Mobile offers various phone protection plans to cater to different needs. These plans typically cover accidental damage, loss, theft, and malfunctions. When you enroll in a protection plan, you pay a monthly fee to secure your device. In case of an issue, such as a cracked screen or a lost phone, you can file a claim and pay a deductible (if applicable) to receive a replacement device or repair service.
What Does T-Mobile Insurance Cover?
T-Mobile insurance covers a range of issues, including accidental damage (drops and spills), device malfunction, loss, and theft. The extent of coverage may vary depending on the specific protection plan you have selected. It’s essential to review the terms and conditions of your plan to understand what is covered and any limitations that may apply.
Can I File a T-Mobile Insurance Claim Online?
Yes, you can file a T-Mobile insurance claim online. T-Mobile provides a dedicated website for filing claims, which is accessible through https://mytmoclaim.com/. Visit the website, follow the instructions, and provide the required information to initiate your claim process conveniently.
How Much is the Deductible for T-Mobile Insurance Claims?
The deductible for T-Mobile insurance claims varies based on your chosen protection plan and the device model. Typically, higher-tier devices may have a higher deductible than entry-level models. When you file a claim, the support team will inform you of the deductible amount and how to make the payment.
How much does phone insurance cost on T-Mobile?
The cost of phone insurance on T-Mobile varies depending on the insurance plan you choose and the type of device you own. Generally, the monthly insurance fee can range from a few dollars to around $15 or more.
Can I add insurance to my existing T-Mobile phone?
Yes, you can add insurance to your existing T-Mobile phone even if you didn’t have insurance when you purchased the device. As long as your device is in good working condition, you can enroll in a phone protection plan.
Is T-Mobile insurance worth it?
The value of T-Mobile insurance depends on your individual needs and how much you rely on your phone. If you tend to be accident-prone or often misplace your phone, insurance can be a worthwhile investment.
IS T-MOBILE PHONE INSURANCE WORTH IT?
T-Mobile phone insurance can be worthwhile if you recently bought an expensive device and want to make sure that if something happens to your phone, you don’t lose all that money. After all, today’s devices can cost an arm and a leg, and paying $7 to $18 a month is a reasonable price in the grand scheme of things, especially if you’re known for being clumsy or careless with your phone. †
Although new devices come with a manufacturer’s warranty, this warranty does not cover damage caused by accidents (and accidents happen). For some people, T-Mobile phone insurance may not be worth the extra cost. If you regularly want to change or upgrade phones, you can cancel the insurance at your own risk.
Protecting your phone with T-Mobile’s insurance plans is a wise decision that safeguards your investment and ensures peace of mind. If you ever find yourself in a situation requiring a phone protection claim, remember the T-Mobile insurance claim phone number 1-866-866-6285. By following the simple steps outlined in this article, you can quickly initiate your claim and get back to using your device without hassle.