How To Add Insurance On T Mobile Phone?

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, 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.

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

360 Protection

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+

Premium Handset Protection (prepaid phones)

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.

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.