T-Mobile Insurance: Does My Phone Plan Include It?

T-Mobile offers its customers phone insurance through its Protection 360 program. This insurance covers accidental damage, loss, theft, and mechanical and electrical failure. To find out if your phone is insured by T-Mobile, you can log in to your T-Mobile account online or via the Protection 360 app and check your device security. You can also contact T-Mobile support or Assurant, the company that underwrites T-Mobile's device protection insurance.

T-Mobile's Protection 360 insurance plan

T-Mobile's Protection 360™ is an insurance and service plan that gives you peace of mind by protecting your device. It offers two types of protection plans: the Insurance Device Protection Plan and the Service Contract Device Protection Plan.

The Insurance Device Protection Plan provides coverage for accidental damage, loss, and theft. In New York, property insurance (accidental damage, loss, and theft) is underwritten by the American Security Insurance Company, while in all other states, property insurance (loss and theft) is underwritten by the American Bankers Insurance Company of Florida.

The Service Contract Device Protection Plan covers mechanical and electrical failure, JUMP!® Upgrades, unlimited screen protector replacements, and access to tech support and mobile security apps. This plan is provided by the Federal Warranty Service Corporation in all states except California, Florida, and Oklahoma. In California, it is provided by Sureway, Inc., in Florida by United Service Protection, Inc., and in Oklahoma by Assurant Service Protection, Inc.

T-Mobile recommends protecting your device at the time of purchase, but you can also add Protection 360™ later. However, if you choose to add it afterward, your device will need to pass a visual mechanical inspection at a T-Mobile store. It is important to note that Protection 360™ is not available for T-Mobile prepaid customers. The monthly cost for Protection 360™ can range from $7 to $25 (+ applicable tax) per device, depending on the device type.

With Protection 360™, you get unlimited repairs and replacements for accidental damage, including front screen and back glass repair, and mechanical or electrical failures. In the event of loss or theft, you are allowed up to five claims in any rolling 12-month period, based on the date of the first replacement. If you have a non-T-Mobile branded (BYOD) device, AppleCare Services may not be included. However, if your Apple device is eligible for AppleCare Services and you are enrolled in Protection 360™, this service is available for the first 24 months.

To file a claim, you can use the Protection 360™ app by Assurant®, go online at mytmoclaim.com, or call Assurant® directly at 1-866-866-6285. You will need to provide device details, contact information, and possibly a picture ID. The service fee/deductible is based on your device model and type of claim and will be collected when your claim is approved.

The Service Contract Device Protection Plan

T-Mobile's Service Contract Device Protection Plan provides coverage for hardware service issues, mechanical breakdown, JUMP! Upgrades, unlimited screen protector replacements, tech support, and McAfee Security. The plan also includes protection against accidental damage, loss, and theft, although this is disputed by one source.

The plan is available to T-Mobile customers who have purchased a device from another provider. To enrol in the Insurance Device Protection Plan and receive the same discount, you must visit a T-Mobile store or contact them within 30 days of enrolment with proof of a service contract.

The monthly cost for the Service Contract Device Protection Plan ranges from $7 to $25 (+ applicable tax) per device, depending on your device type. 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 former, depending on the device tier.

You can file a claim online at mytmoclaim.com, in the Protection 360 app by Assurant, or by calling Assurant directly at 1-866-866-6285. To file a claim, you will need your device details, including the make and model, and information explaining what happened to your device. You will also need your my.t-mobile.com user ID and password, and your payment method for the service fee/deductible.

The Insurance Device Protection Plan

T-Mobile's Insurance Device Protection Plan offers coverage for accidental damage, loss, and theft. This includes front screen and back glass repair. For BYOD customers, this benefit starts after the manufacturer's warranty expires.

The plan also includes coverage for mechanical and electrical failure, JUMP!® Upgrades, and access to tech support. You can file a claim online at mytmoclaim.com, in the Protection 360™ app by Assurant®, or by calling Assurant® directly at 1-866-866-6285. Claims must be reported within 90 days of the incident, and you will need to provide information such as your mobile number, the make and model of your device, and the date of the incident.

The cost of the Insurance Device Protection Plan depends on your device type and can range from $7 to $25 per month, plus applicable tax. In New York, the plan options can be purchased separately, and you can receive a discount of up to $1.50 on the Insurance Device Protection Plan if you also purchase the Service Contract Device Protection Plan.

The Service Contract Device Protection Plan provides additional coverage for hardware service issues (mechanical breakdown), JUMP!® Upgrades, unlimited screen protector replacements, and McAfee Security. With the Insurance Device Protection Plan, you get unlimited repairs and replacements for accidental damage, loss, or theft. For loss and theft, you are limited to five claims in any rolling 12-month period, based on the date of the first replacement.

How to file a claim

If you have T-Mobile's Protection 360, you have access to both an insurance plan and a service plan. You can file a claim if your device is accidentally damaged, has mechanical and/or electrical failures, or is lost or stolen.

To file a claim, you can use one of the following methods:

• Visit mytmoclaim.com and enter your mobile number to get started. Follow the instructions displayed on the screen.
• Use the Protection 360 app by Assurant. Open the app and select "File a Claim". Log in with your T-Mobile ID and follow the step-by-step instructions.
• Call Assurant at 1-866-866-6285.

Before filing a claim, make sure you have the following information ready:

• Device details, including the make and model.
• Information explaining what happened to your device.
• Your T-Mobile user ID and password.
• Your payment method for the service fee/deductible.
• A picture ID.

If your device is stolen, you will also need to provide the police report number. If you find your phone after filing a claim, contact Assurant to cancel your claim.

T-Mobile phone insurance benefits

T-Mobile offers a phone insurance and protection plan called Protection 360. This plan gives you access to both an insurance plan and a service plan. The insurance device protection plan provides coverage for accidental damage, loss, and theft. The service contract device protection plan provides coverage for hardware service issues, JUMP! upgrades, unlimited screen protector replacements, and access to tech support and mobile security apps.

The monthly cost for Protection 360 ranges from $7 to $25 (plus applicable tax) per device, depending on the device type. The service fee/deductible is based on the device model and type of claim, which will be collected at the time the claim is approved.

Protection 360 also includes benefits such as McAfee Security for T-Mobile with ID Theft Protection, which secures your digital life with safe browsing, antivirus/malware protection, identity theft protection, and lost wallet protection. You also get access to the Protection 360 app by Assurant, which allows you to check your device coverage, review service fees/deductibles, and file and track claims.

To file a claim, you can visit mytmoclaim.com, use the Protection 360 app by Assurant, or call Assurant directly at 1-866-866-6285. You will need your device details, contact information, and payment method for the service fee/deductible.

Frequently asked questions