Jane Dotson
AT&T, one of America's most popular mobile network carriers, offers phone insurance to its customers. The insurance, called AT&T Protect Advantage, covers repairs or replacements in the event of an accident or theft. The cost of the insurance is $14 or $17 per month, depending on the device, and it includes same-day replacements for eligible devices. However, there are some limitations to AT&T's phone insurance, including a high standard deductible of up to $299 and a limited number of claims per year. Customers are not obligated to purchase insurance from their carrier and may find more affordable and comprehensive protection from other providers.
| Characteristics | Values |
|---|---|
| Name of Insurance | AT&T Protect Advantage |
| Cost | $14/month or $17/month, depending on the device |
| Number of Devices Covered | 1 or 4 |
| Cost for 4 Devices | $45/month |
| Same-Day Replacement | Yes |
| Replacement Device | Unused model of the same phone |
| Cracked Phones Covered | Yes |
| Deductible for Cracked Screen | $29 |
| Deductible for Cracked Casing or Shell | May vary |
| Maximum Number of Claims | 2 or 3 per year |
| Standard Deductible | Up to $299 |
| Cancellation Policy | Can be cancelled at any time without penalty |
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What You'll Learn
AT&T Protect Advantage insurance costs
AT&T offers phone insurance and device protection through its AT&T Protect Advantage plan. This insurance plan helps protect your device in case it is lost, stolen, or broken. It is important to note that the device must be in good working order and undamaged at the time of enrolment.
The AT&T Protect Advantage insurance costs $14/month or $17/month, depending on the device that requires protection. For $45/month, you can insure up to four devices, which includes eight shared claims per year related to loss, theft, or physical damage, and six shared claims per year related to accidental damage from handling.
AT&T Protect Advantage also offers same-day replacements for select devices in select areas, subject to parts and technician availability. If a replacement device is not available, it may take one to two business days to receive one. When filing a claim, you should expect to pay a deductible, which is the amount you need to contribute before AT&T pays for the claim. The deductible for screen repairs is $29, while the deductible for cracked casings or shells may vary.
In addition to device protection, the AT&T Protect Advantage plan includes several other perks. This includes automatic backup of photos and videos, battery checkups, and live access to expert support. You can also visit your local uBreakiFix by Asurion for device speed, signal, and battery performance improvements.
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AT&T phone insurance alternatives
AT&T offers device protection for phones that are on an AT&T postpaid wireless plan. This includes protection for lost, stolen, or broken phones, with the possibility of same-day replacements. This service is called AT&T Protect Advantage, and it is available for eligible devices within 30 days of service activation or device upgrade.
The terms and conditions of AT&T's device protection include the requirement that the device must be undamaged and in good working order at the time of enrollment. Additionally, the company retains the right to revise the terms of coverage, including the premium and deductible. Customers can cancel their coverage at any time without penalty.
As an alternative to AT&T's device protection, customers can consider other insurance providers that offer phone insurance. These providers may offer similar benefits, such as same-day replacements and coverage for lost, stolen, or damaged devices. It is important to carefully review the terms and conditions of any insurance plan to understand what is covered and what is not.
Another option is to rely on the manufacturer's warranty for the device. Many phone manufacturers offer a limited warranty that covers defects in materials and workmanship. This may provide some peace of mind, but it is important to note that it typically does not cover accidental damage, loss, or theft.
Additionally, customers can consider purchasing a protective case and screen protector for their phone to help prevent physical damage. This may not provide the same level of financial protection as insurance, but it can help reduce the risk of damage in the first place.
Lastly, customers can explore the option of self-insuring their phone. This means setting aside money into a dedicated savings account to cover the cost of potential repairs or replacements. While this may not provide the same level of convenience as insurance, it can be a cost-effective alternative for those who are comfortable with taking on the risk themselves.
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AT&T phone insurance terms and conditions
AT&T phone insurance is underwritten by Continental Casualty Company, a CNA company, and administered by Asurion Protection Services, LLC. In California, Asurion Protection Services, LLC does business as Asurion Protection Services Insurance Agency, LLC, while in Puerto Rico, it is referred to as Asurion Protection Services of Puerto Rico, Inc.
The insurance covers eligible wireless phones outside of the manufacturer's warranty period that power on but fail to hold an adequate charge after ProTech diagnostic testing. In the event of a loss, AT&T will arrange for the replacement or repair of the covered device through the Authorized Service Facility. However, an insured subscriber will not be entitled to receive cash, although AT&T may choose to provide a cash settlement instead of replacement or repair. The replacement equipment may be a different brand, model, or color but will be approved for use on the AT&T network.
AT&T also offers Protect Advantage, which includes benefits such as same-day replacement (for select devices in select areas), live access to expert support, automatic backup of photos and videos, and tips to improve device speed, signal, and battery performance.
It is important to note that the device must be undamaged and in good working order at the time of enrollment in AT&T Protect Advantage. Additionally, any disputes or claims under the AT&T Mobile Insurance Certificate that cannot be informally resolved will be subject to binding arbitration as outlined in the terms and conditions.
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AT&T phone insurance limitations
AT&T offers device protection for lost, stolen, or broken phones. This insurance is provided on a month-to-month basis, and the device must be in good working order at the time of enrolment. The insurance covers losses as defined in Section IX of the terms and conditions, and coverage begins at 12:01 a.m. on the date of the request.
AT&T's insurance does not cover losses caused by war, warlike action, insurrection, rebellions, revolution, or government seizure or destruction of property. It also does not cover loss or damage to data, non-standard external media, and non-standard software. Additionally, the insurance does not cover losses caused by the failure to take reasonable action to minimize the loss and protect the covered property.
Disputes concerning premiums or claims should first be directed to the agent or company. If the issue remains unresolved, the Texas Department of Insurance can be contacted. It is important to note that any changes to the coverage terms, including the premium and deductible, are at the insurer's discretion and may be revised at any time.
AT&T Protect Advantage is another option for device protection. Without this protection, customers may have to pay the full retail price to replace their phone, which can be up to $1,200.
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AT&T phone insurance claims
AT&T offers phone insurance and device protection plans to its customers. The AT&T Protect Advantage plan offers same-day replacement for lost, stolen, or broken phones. This plan also includes cracked screen repair for select devices in certain areas. To file a claim, customers can visit phoneclaim.com/att or call 888.562.8662. The maximum value per claim is $2,500, and a non-refundable deductible applies to each claim. It is important to note that the device must be undamaged and in good working order at the time of enrollment in the protection plan.
AT&T's device protection plans offer peace of mind to customers, as they can avoid potentially paying the full retail price for a new phone in case of loss, theft, or damage. By enrolling in the AT&T Protect Advantage plan, customers can receive a replacement device as soon as possible, with shipping costs included. In most cases, the replacement device will be delivered the next day.
The process of filing a claim with AT&T is straightforward. Customers can visit the AT&T website or call their customer support to initiate the claim process. It is important to have certain information handy, such as the wireless security passcode or the last four digits of the AT&T account owner's Social Security or Tax ID number. Once the claim is filed, customers can track its status and check when their replacement device will be shipped.
In addition to the AT&T Protect Advantage plan, AT&T also offers a HomeTech Protection plan for customers' home tech devices. This plan provides repair or replacement options for eligible devices, with setup support also available. It is important to note that providing documentation can help prevent false claims from being processed on the customer's account.
AT&T's device protection plans come with terms and conditions that customers should be aware of. These terms can be amended or waived, and AT&T retains the right to revise the terms and adjust coverage, premiums, and deductibles. Customers have the right to cancel their coverage at any time without penalty. However, it is essential to carefully review the terms and conditions before enrolling in any device protection plan to understand the coverage, limitations, and exclusions fully.
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Frequently asked questions
AT&T Protect Advantage is a phone insurance plan offered by AT&T. It costs \$14 or \$17 per month, depending on the device, and offers same-day replacements for lost, stolen, or broken phones.
AT&T phone insurance plans are run by Asurion and are plagued by various limitations. For example, AT&T charges a standard deductible of up to \$299, and customers can only make two or three claims per year. The insurance is also relatively expensive, with the most affordable plan starting at \$14 per month and the most expensive plan at \$17 per month.
You can purchase AT&T phone insurance directly from the carrier. You must have an eligible device on an AT&T postpaid wireless plan, and you can sign up for device protection within 30 days of service activation or device upgrade.
