
T-Mobile offers phone insurance and protection plans for its customers. The Protection 360™ program includes both an insurance plan and a service plan, with coverage for accidental damage, loss, theft, and mechanical/electrical failure. The Insurance Device Protection Plan and the Service Contract Device Protection Plan can be purchased separately or together with a discount. Claims can be filed online or through the Protection 360 app, and T-Mobile offers additional benefits such as McAfee Security and JUMP! Upgrades.
| Characteristics | Values |
|---|---|
| Name of the insurance plan | Protection 360 |
| Type of plan | Insurance plan and service plan |
| Available for | Postpaid customers |
| Cost | $7 to $25 (+ applicable tax) per device per month |
| Discount | Up to $1.50 on the Insurance Device Protection Plan if purchased with the Service Contract Device Protection Plan |
| Coverage | Accidental damage, loss, theft, mechanical and electrical failure, JUMP! Upgrades, screen protector replacements, tech support, mobile security apps, AppleCare eligibility for Apple devices for the first 24 months, McAfee Security for T-Mobile |
| Claim process | Online at mytmoclaim.com, on the Protection 360 app by Assurant, or by calling Assurant at 1-866-866-6285 |
| Claim requirements | Device details, contact information, T-Mobile ID, picture ID, payment method for service fee/deductible |
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What You'll Learn

T-Mobile's Protection 360™ insurance plan
T-Mobile's Protection 360™ is a comprehensive insurance and service plan for your smartphone and other devices. It offers peace of mind by providing coverage for accidental damage, loss, and theft. For Bring Your Own Device (BYOD) customers, this benefit starts after the manufacturer's warranty expires. In addition to insurance coverage, Protection 360™ also includes a service contract that provides coverage for mechanical and electrical failure, giving you extra assurance for your devices.
The monthly cost of Protection 360™ varies depending on your device type, ranging from $7 to $25 per device, plus applicable tax. It's important to note that Protection 360™ is optional and can be added to eligible devices on a T-Mobile for Business account. You can choose to add it when you purchase your device or later on, but a visual mechanical inspection of the device in a T-Mobile store is required if added afterward. Additionally, Protection 360™ can be cancelled at any time.
Protection 360™ provides convenient ways to file a claim. You can initiate the process online at mytmoclaim.com, through the Protection 360™ app by Assurant®, or by calling Assurant® directly at 1-866-866-6285. When filing a claim, you will need to provide device details, information about what happened to your device, and your contact information. It's important to file your claim within the timeframe indicated in your coverage documents.
In New York, Protection 360™ offers separate Insurance Device Protection and Service Contract Device Protection plans. The Insurance Device Protection Plan covers accidental damage, loss, and theft, while the Service Contract Device Protection Plan covers hardware service issues, JUMP!® Upgrades, unlimited screen protector replacements, tech support, and McAfee Security. These plans can be purchased separately, and a discount is offered when purchasing both.
T-Mobile also offers Protection 360™ HomeTech, a separate plan that covers an unlimited number of eligible home devices and electronics, excluding smartphones. This plan includes coverage for accidental damage, out-of-warranty mechanical/electrical breakdown, and power surge. It provides fast and easy claims filing through the Protection 360™ HomeTech app, and you can access tech support services and power surge benefits immediately upon enrollment.
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Insurance Device Protection Plan
T-Mobile offers device protection through its Protection 360™ plan. This plan is optional and can be added or cancelled at any time. It is not available for T-Mobile prepaid customers. The monthly cost for Protection 360™ ranges from $7 to $25 (+ applicable tax) per device, depending on the device type.
The Insurance Device Protection Plan provides coverage for accidental damage, loss, and theft. This plan can be purchased separately in New York. For Bring Your Own Device (BYOD) customers, this benefit starts after the manufacturer's warranty expires.
The Service Contract Device Protection Plan provides coverage for mechanical and electrical failure, JUMP!® Upgrades, unlimited screen protector replacements, and access to tech support and mobile security apps.
If you buy both the Insurance Device Protection Plan and the Service Contract Device Protection Plan, you'll get a discount of up to $1.50 on the Insurance Device Protection Plan, depending on the device tier.
To file a claim, you can visit mytmoclaim.com, use the Protection 360™ app by Assurant®, or call Assurant® at 1-866-866-6285. You will need to provide device details, contact information, and a payment method for the service fee/deductible.
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Service Contract Device Protection Plan
T-Mobile offers device protection through its Protection 360™ plan. This plan includes both an insurance plan and a service contract plan. The Service Contract Device Protection Plan is available as a standalone option, but it is not clear exactly what this plan covers.
According to T-Mobile's website, the Service Contract Device Protection Plan provides coverage for mechanical and electrical failure, JUMP!® Upgrades, unlimited screen protector replacements, and access to tech support and mobile security apps. It also includes unlimited repairs and replacements for accidental damage, including front screen and back glass repair.
The Service Contract Device Protection Plan can be purchased separately from the Insurance Device Protection Plan in New York. In other states, the two plans must be purchased together as Protection 360™. The monthly cost of Protection 360™ ranges from $7 to $25 per device, depending on the device type.
The Service Contract Device Protection Plan is said to cover accidental damage and loss/theft with deductibles similar to those of Protection 360™. However, there is conflicting information on this, with some sources stating that the plan does not cover these items.
The plan is administered by Assurant® and claims can be filed online at mytmoclaim.com, or by calling Assurant® directly.
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Discounts for combining plans
T-Mobile offers a range of discounts and promotions for customers who combine plans or services. Here are some examples of the types of discounts available:
Magenta Plan
The Magenta plan offers customers exclusive perks and benefits, such as access to events like the Las Vegas Grand Prix and Lollapalooza. This plan also includes unlimited talk, text, and data, as well as streaming services. The $5/month price for this plan is only available with the Go5G Next plan and may not be combinable with other offers or discounts.
Work Perks
T-Mobile offers various promotions for customers who purchase devices on monthly payment plans, trade in their old devices, or activate new lines. For example, customers can save up to $1000 on eligible Samsung devices when they purchase a monthly payment plan, trade in an old device, and switch to a qualifying Go5G Next plan. Similarly, customers can get up to $300.99 off when they purchase an eligible smartphone on a monthly payment plan and trade in any phone in good condition on a qualifying Go5G Plus or Go5G Next rate plan.
AutoPay Discounts
T-Mobile offers a $5/line/month discount for customers who sign up for AutoPay with a bank account or debit card. The AutoPay Pricing for voice lines ranges from $1 to $8 per line.
Family Plans
T-Mobile offers family phone plans with no annual contracts, providing unlimited talk, text, and data for up to five devices. These plans are packed with benefits and value, and customers can add more than five devices by calling T-Mobile directly.
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File a claim with T-Mobile
T-Mobile offers its customers Protection 360™, an insurance and service plan for phones and other devices. Customers can file a claim with T-Mobile in several ways: online, via the Protection 360™ app by Assurant®, or by calling Assurant® directly.
To file a claim online, go to mytmoclaim.com and enter your mobile number. From there, follow the instructions displayed on the screen. You can also visit the website to track a claim or chat with live support. Alternatively, you can use the Protection 360™ app by Assurant®. Open the app, select "File a Claim", and follow the step-by-step instructions. If you need additional help with your claim, you can call Assurant® at 1-866-866-6285.
Before filing a claim, make sure you have the necessary information. This includes device details such as the make and model, as well as information explaining what happened to your damaged, lost, or stolen device. You will also need your T-Mobile user ID and password, and you may be asked for a picture ID. If your device was stolen, you will need the police report number. It is important to note that claims must be reported within 90 days of the incident unless state law requires additional time. Additionally, remember to file your claim within the timeframe indicated in your coverage documents.
T-Mobile Protection 360™ offers various benefits, including access to unlimited live technical support, the ability to view coverage details and service fee/deductible information, and easy filing and tracking of claims. The monthly cost for Protection 360™ can range from $7 to $25 (+ applicable tax) per device, depending on the device type.
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Frequently asked questions
T-Mobile's phone insurance program is called Protection 360. It offers two plans: the Insurance Device Protection Plan and the Service Contract Device Protection Plan.
T-Mobile's phone insurance covers accidental damage, loss, theft, hardware issues, upgrades, screen protector replacements, tech support, and mobile security.
The cost of T-Mobile's phone insurance varies depending on the device tier and the specific plan chosen. The monthly cost for Protection 360 can range from $7 to $25 (+ applicable tax) per device.
You can file a claim with T-Mobile's phone insurance by visiting mytmoclaim.com, using the Protection 360 app, or by calling Assurant directly at 1-866-866-6285.

















