
Metro by T-Mobile offers insurance for phones and mobile devices. The Premium Handset Protection (PHP) program includes device insurance and mobile protection for as low as \$5 per month per device. The monthly cost varies depending on the device tier and area code. Customers can also purchase McAfee Security for Metro by T-Mobile with ID Theft Protection at any time for \$3 per device, which can be added to up to 10 devices. Claims can be filed on the mymetroclaim.com website or by calling Assurant.
| Characteristics | Values |
|---|---|
| Device Insurance Provider | Asurion, McAfee Security for Metro by T-Mobile |
| Cost of Device Insurance | $3 per device, $5 per device, $6 per device, $7 per device |
| Additional Costs | $3 for McAfee mobile security |
| Claim Process | File, Continue and Track My Claim on the website or call Assurant |
| Claim Timeline | Claims must be reported within 60 days of the date of the incident |
| Claim Outcome | Repair or replacement of the device |
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What You'll Learn

Premium Handset Protection (PHP)
Metro by T-Mobile offers Premium Handset Protection® (PHP), which is a comprehensive device protection and mobile security service. It costs $5 per month per device, although the price can vary depending on the device and area code. For example, for customers with an area code from any state except New York, the monthly cost of PHP is $6 per device, which includes $3 for insurance coverage and $3 for McAfee Security for Metro by T-Mobile.
PHP includes device insurance that covers loss, theft, accidental damage (including liquid damage), and mechanical or electrical breakdown after the manufacturer's warranty expires. It also includes standard battery, standard home charger, and standard SIM card coverage. Next-business-day shipment is offered at no additional cost for claims approved before 8:30 p.m. ET.
PHP also includes McAfee Security for Metro by T-Mobile with ID Theft Protection, which can be added to your device at any time. This feature helps protect your identity and up to 10 devices (including PCs, Macs, smartphones, and tablets) with a single account. It safeguards devices against online threats, viruses, data loss, and risky apps. It also includes premium password management with the True Key app and 24/7 live assistance for lost wallet coverage, identity fraud support, and more.
To enrol in PHP, you must purchase it within 30 days from the date of the activation of your new device. Your device will need to pass a visual mechanical inspection at any Metro store.
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McAfee Security for Metro by T-Mobile
One of the key benefits of McAfee Security for Metro is safe browsing. It automatically blocks malicious websites and stops online threats like malware, spyware, and viruses. The app also protects you from phishing and data leaks with Safe Browsing alerts. Additionally, the Wi-Fi Scanner feature alerts you when you connect to an unsecured Wi-Fi network or hotspot, ensuring safer online and network connections.
McAfee Security for Metro also provides identity theft protection, allowing you to scan and monitor your personal data online. You'll receive breach alerts and tips to secure your information quickly. This feature is available on qualifying plans.
The app gives you a personalized Protection Score, which indicates how safe you are online. You can follow recommendations to improve your score and boost your online security.
The cost of the app is $3 per month, and it can be added to your device at any time. It is important to note that the app may have bugs, as mentioned by some users, and there may be issues with the VPN feature stopping unexpectedly. However, overall, McAfee Security for Metro by T-Mobile offers comprehensive security and protection for your devices and online privacy.
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Device insurance
Metro by T-Mobile offers device insurance for phones and other mobile devices. The insurance, known as Premium Handset Protection (PHP), includes device insurance and mobile protection. It covers accidental damage, liquid damage, mechanical or electrical breakdown after the manufacturer's warranty expires, and loss. The standard battery, home charger, and SIM card are also covered.
The monthly cost of PHP varies per device, depending on the device tier, and can be as low as $5 per month per device. For example, for customers with an area code from any state except New York, the monthly cost of PHP is $6 per device, made up of $3 for insurance coverage and $3 for McAfee Security for Metro by T-Mobile.
PHP must be purchased within 30 days from the date of the activation of a new device, and the device must pass a visual mechanical inspection.
To file a claim, visit mymetroclaim.com or call Assurant at 1-800-316-2075. Claims must generally be reported within 60 days of the date of the incident, and replacement devices are typically shipped the next business day after the claim is approved.
In addition to PHP, McAfee Security for Metro by T-Mobile with ID Theft Protection can be added to your device at any time for $3 per month. This software can be used on up to 10 eligible household devices, including smartphones, tablets, PCs, and Macs. It provides protection against online threats, viruses, data loss, and risky apps.
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Mobile security
Metro by T-Mobile offers various insurance and security options for mobile phones. Firstly, there is Premium Handset Protection® (PHP), which is a comprehensive device protection and mobile security package. It covers device insurance and mobile protection, including fast device replacements if your phone is lost, stolen, or damaged. PHP costs $5 per month per device, with the price varying by device tier. It must be purchased within 30 days of activating your new device, and the device must pass a visual mechanical inspection.
Secondly, McAfee® Security for Metro by T-Mobile with ID Theft Protection is available for $3 per month. It safeguards your device against online threats, viruses, data loss, and risky apps. This security covers up to 10 smartphones, tablets, PCs, or Macs. The McAfee Security app offers additional features such as premium password management with the True Key™ app and identity theft protection.
You can purchase either PHP or McAfee Security separately, depending on your needs. To enroll, you can visit a Metro store or download the app from the Google Play Store or App Store.
In terms of security against scam calls and data threats, Metro offers Scam Shield™ Premium, which provides advanced scam-blocking technologies. This service allows you to identify, report, and block scam calls and texts, as well as manage your block list. Additionally, you can review your local outbound calls with Call Detail for $1 per month, giving you access to up to 3 months of call history.
Network-level protection is also provided by Metro to prevent "Neighborhood Spoofing" and hijacked numbers, where scammers use matching area codes and prefixes to target individuals.
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Claiming on insurance
Metro by T-Mobile offers insurance and protection plans for mobile devices. These plans are optional and not required to purchase services or devices from Metro. You can choose to purchase Premium Handset Protection (PHP) or McAfee Security for Metro by T-Mobile with ID Theft Protection.
Premium Handset Protection (PHP):
This plan includes device insurance and mobile protection. It covers accidental damage, liquid damage, and mechanical or electrical breakdowns after the manufacturer's warranty expires. The cost of PHP varies depending on the device tier and area code, starting at \$5 per month per device. To enrol in PHP, you must do so within 30 days of activating your eligible device, and your device must pass a visual mechanical inspection.
McAfee Security for Metro by T-Mobile with ID Theft Protection:
This plan provides security against online threats, viruses, data loss, and risky apps. It also includes ID theft protection, which covers up to 10 smartphones, tablets, PCs, and Macs. You can enrol in this plan at any time, and the cost will be itemized separately on your monthly statement.
If you have enrolled in either of these plans and need to make a claim, you can do so by visiting mymetroclaim.com or calling Assurant at 1-800-316-2075. You will need to provide information such as your 15-digit IMEI number, which can be found underneath the battery, on the original packaging, or in the device settings. Claims must generally be reported within 60 days of the incident, and depending on the issue, your device may be repaired or replaced.
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Frequently asked questions
Metro's phone insurance covers the device, the standard battery, the standard home charger, and the standard SIM card. It also covers liquid damage, mechanical or electrical breakdown after the manufacturer's warranty expires, and cracked screens.
The cost of Metro's phone insurance varies depending on the device tier and area code, starting at \$5 per month per device. The monthly cost includes the price of insurance and McAfee mobile security.
To file a claim, visit mymetroclaim.com or call Assurant at 1-800-316-2075. You will need to provide information such as your IMEI number and details of what happened to your device. Claims must generally be reported within 60 days of the incident.
Yes, Metro offers insurance for Bring Your Own Device (BYOD) phones. However, the device must be enrolled within 30 days of activation and pass a visual mechanical inspection at any Metro store.


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