Paul Sanchez
T-Mobile offers several insurance plans for customers to protect their devices, including Protection 360, Basic Device Protection, and Premium Handset Protection for prepaid phones. The plans cover accidental damage, loss, theft, and mechanical and electrical failure. T-Mobile insurance also includes unlimited screen protector replacements, McAfee Security with ID Theft Protection, and JUMP! Upgrades. The cost of T-Mobile insurance varies depending on the phone's value and the tier of protection chosen, with deductibles ranging from $10 to $249. If a customer's device is damaged, lost, or stolen, they can make a claim and receive a new device within one to two business days.
| Characteristics | Values |
|---|---|
| Insurance provider | T-Mobile |
| Insurance name | Protection 360 |
| Other insurance names | Basic Device Protection, Premium Handset Protection |
| Insurance type | Device insurance |
| Coverage | Accidental damage, loss, theft, mechanical and electrical failure, cracked screens, water damage, keypad failure, malware |
| Cost | $7-25 per month, excluding any applicable taxes |
| Deductible | $5 processing fee for replacement phones |
| Discount | Up to $1.50 on the Insurance Device Protection Plan when bought with the Service Contract Device Protection Plan |
| Claims | Up to five accidental damage, theft, or loss claims in any rolling 12-month period |
| Hardware service claims | Unlimited |
| Screen protector replacements | Unlimited |
| JUMP! Upgrades | Available on EIP devices when 50% of the device cost has been paid |
| McAfee Security with ID Theft Protection | Included |
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What You'll Learn
T-Mobile insurance coverage tiers
T-Mobile offers three insurance tiers: Basic Device Protection, Premium Handset Protection, and Protection 360. The cost of each plan depends on the phone's make and model, with more expensive phones attracting higher premiums.
The Basic Device Protection plan is the entry-level product, which covers malfunctioning phones, accidental damage (including cracked screens and water damage), loss, and theft. It also covers the phone's battery, charger, and SIM card. This plan costs $6 to $14 per month, with the price depending on the phone's tier. Deductibles for accidental damage range between $10 and $249, while there are no deductibles for malfunctioning devices, although there is a $5 processing fee for replacement phones.
The Premium Handset Protection plan is for prepaid phones only and does not cover damage caused by corrosion or rust, power fluctuations, or failure to follow proper maintenance procedures.
The Protection 360 plan includes all the benefits of the Basic Device Protection plan, plus walk-in repair at T-Mobile stores, JUMP! upgrades, and McAfee Security for T-Mobile with ID Theft Protection. This plan also comes with AppleCare Services for iPhone users for the first 24 months from enrolment. The price of this plan ranges from $7 to $15 per month. The accidental damage deductible is $99, while there is no deductible for malfunctioning devices, but there is a $5 processing fee for replacement phones.
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What T-Mobile insurance covers
T-Mobile offers three insurance tiers: Basic Device Protection, Premium Handset Protection for prepaid phones, and Protection 360. The cost of T-Mobile's Basic Device Protection plan depends on the value of the handset, with higher-tier handsets costing more to protect. The Basic Device Protection plan covers malfunctioning phones, accidental damage (including cracked screens and water damage), loss, and theft. It also covers the phone's battery, charger, and SIM card if stolen.
The Premium Handset Protection plan is prepaid-only and does not cover damage caused by corrosion or rust, power fluctuations, or failure to follow proper maintenance procedures.
Protection 360 includes all the benefits of Device Protection, plus walk-in repair, JUMP! upgrades, McAfee Security for T-Mobile with ID Theft Protection, and unlimited screen protector replacements. It also includes coverage for mechanical and electrical failure, but only after the manufacturer's warranty expires. This plan costs between $7 and $25 per month, depending on the device.
T-Mobile insurance does not cover damage from abuse, misuse, intentional or cosmetic damage, or unauthorized repairs. It also does not protect against "acts of God."
The deductible for accidental damage, loss, and theft ranges between $10 and $249, depending on the phone's value. There is no deductible for malfunctioning devices, but there is a $5 processing fee for replacement phones.
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T-Mobile insurance cost and deductible
T-Mobile offers three insurance tiers: Basic Device Protection, Premium Handset Protection for prepaid phones, and Protection 360. The monthly cost of T-Mobile's Protection 360™ ranges from $7 to $25 per device, plus applicable tax. Basic Device Protection costs $1 less per month per tier, so it ranges from $6 to $14 per month. The higher the tier, the more you’ll pay monthly to protect your device.
The service fee/deductible for T-Mobile's Protection 360 is based on your device model and the type of claim, which will be collected at the time your claim is approved. The deductible for accidental damage, loss, and theft ranges between $10 and $249, depending on your phone’s value. The Basic Device Protection plan has a similar deductible structure, with deductibles ranging between $20 and $249.
T-Mobile's Protection 360 offers accelerated JUMP! upgrades (after 12 months or when 50% of your phone is paid off), McAfee Security with ID Theft Protection, unlimited screen protector replacements, and Tech PHD by Assurant, which offers support for connected devices and handles non-AppleCare insurance claims. The plan also includes walk-in repair and unlimited repairs and replacements for accidental damage (including front screen and back glass repair) and mechanical and/or electrical failures. For loss and theft, you get up to five claims in any rolling 12-month period based on the date of the first replacement.
T-Mobile's Basic Device Protection plan covers malfunctioning phones, accidental damage (including cracked screens and water damage), loss, theft, mechanical breakdown issues, water damage, and keypad failure. Like Protection 360, the plan covers your phone, charger, battery, and SIM card. Other accessories are only covered if they are lost or stolen with your phone.
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T-Mobile insurance claim process
T-Mobile offers three insurance tiers: Basic Device Protection, Premium Handset Protection for prepaid phones, and Protection 360. The cost of T-Mobile's Basic Device Protection depends on the value of the handset, with a higher tier resulting in a higher monthly payment. The Basic Device Protection plan covers malfunctioning phones, accidental damage (including cracked screens and water damage), loss, and theft.
The T-Mobile insurance claim process is relatively straightforward and can be done mostly or entirely online. The first step is to review the price of a new device and compare it to your deductible. The deductible for accidental damage, loss, and theft ranges from $10 to $249, depending on the value of your phone. The next step is to file a claim, which can be done online at mytmoclaim.com or through the Protection 360 app on Android or iOS. Claims must be reported within 90 days of the incident, and only the Primary Account Holder or an authorized user can file a claim. Once your claim is approved, you will be charged a deductible based on your device tier and the type of claim. After that, the carrier will ship your new device overnight, and it should arrive within one to two business days.
If you have Protection 360, you can also walk into a T-Mobile store and have them repair your phone. Additionally, eligible smartphones can be repaired at Assurant-authorized repair centers, with $0 front screen repair and $29 back glass repair.
It is important to note that T-Mobile insurance does not cover all circumstances. For example, it does not cover damage from abuse, misuse, intentional or cosmetic damage, unauthorized repairs, or "Acts of God."
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T-Mobile insurance perks
T-Mobile offers three insurance tiers: Basic Device Protection, Premium Handset Protection for prepaid phones, and Protection 360. The insurance plan you choose will determine the perks you receive.
The Basic Device Protection plan covers malfunctioning phones, accidental damage (including cracked screens and water damage), loss, theft, and keypad failure. This plan costs $6 to $14 per month, with higher-tier devices costing more.
The Premium Handset Protection plan is for prepaid phones only and does not cover damage caused by corrosion or rust, power fluctuations, or failure to follow proper maintenance procedures.
The Protection 360 plan includes all the benefits of the Basic Device Protection plan, plus walk-in repair, JUMP! Upgrades, McAfee Security with ID Theft Protection, and unlimited screen protector replacements. This plan costs $7 to $25 per month, excluding taxes.
All T-Mobile insurance plans cover the battery, charger, and SIM card if they are lost or stolen with your phone. Additionally, T-Mobile insurance claims are typically processed within a few days, and the carrier will ship your new device overnight if your claim is approved.
It is important to note that T-Mobile insurance does not cover damage from abuse, misuse, intentional or cosmetic damage, or unauthorized repairs, and it does not protect against "Acts of God."
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Frequently asked questions
T-Mobile's most comprehensive insurance plan is called Protection 360. It covers device malfunctions, accidental damage, loss, and theft.
The plan includes coverage for the device, standard charger, standard battery, and SIM card. Additional accessories are covered if they are lost or stolen with the device.
The cost of Protection 360 varies depending on the device tier and the customer's location. It ranges from \$7 to \$25 per month, excluding taxes.
The deductible for accidental damage, loss, and theft ranges from \$10 to \$249, depending on the device's value.
Yes, T-Mobile insurance offers replacement devices for eligible claims. The replacement device is typically shipped overnight and arrives within one to two business days.
