Alyssa Lane
With the increasing dependency on smartphones, it is essential to consider protecting your device from theft, loss, or damage. AT&T offers phone insurance plans, including the AT&T Protect Advantage plan, which provides coverage for repairs or replacements in case of accidents, theft, or damage. The plan offers perks such as unlimited cloud storage, technical support, and same-day replacement. However, it is an additional expense of $14 or $17 per month. Before purchasing phone insurance, it is important to consider personal factors, the level of coverage needed, and alternative protection methods, such as protective cases and screen protectors. Additionally, some credit cards offer cellphone insurance, providing coverage against theft or damage, which can be a more cost-effective option. Ultimately, the decision to opt for AT&T phone insurance depends on individual needs and preferences.
| Characteristics | Values |
|---|---|
| Provider | AT&T |
| Protection | Against loss, theft, and damage |
| Number of plans | 2 |
| Cost | $14/month or $17/month, depending on the device |
| Number of devices | Up to four devices for $45/month |
| Deductible | $29 for screen repairs |
| Technical support | Yes |
| Data recovery | Yes |
| Device sanitation | Yes |
| Cloud storage | Yes |
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What You'll Learn
AT&T Protect Advantage insurance costs and benefits
AT&T Protect Advantage insurance offers two plans to safeguard your devices against loss, theft, and damage. The insurance costs $14 or $17 per month, depending on the device requiring protection. For $45/month, you can insure up to four devices.
AT&T Protect Advantage insurance provides the following benefits:
- Same-day replacement for select devices in select areas.
- Unlimited screen and back glass repairs, which are the components most likely to get damaged if your phone falls.
- Technical support from technicians who have experience with over 6,000 pieces of modern-day technology.
- Access to the ProTech app, which has built-in diagnostic capabilities and can be used to optimize your phone's performance.
- Live access to expert support, available weekdays from 8 am–12 am ET and weekends from 10 am–10 pm ET.
- Tips on keeping your battery in good shape and optimizing device performance.
- Backup storage solutions, including automatic backup of photos and videos.
It's important to note that there is a deductible for claims made through AT&T Protect Advantage insurance, 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. AT&T does not publish deductibles for other types of claims, but you can use its deductible estimator tool to get an idea of the cost.
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AT&T phone insurance claims process
Whether or not AT&T phone insurance is worth it for you depends on a variety of factors. These include the device you own, your usage habits, and how well you generally take care of your phone. For instance, if you own an expensive device, it might be worth paying extra to protect it. On the other hand, if you regularly upgrade to newer devices or keep your current device well-protected with a sturdy case and screen protector, you might not need the extra expense.
AT&T offers two Protect Advantage plans that provide insurance for your phone in case of loss, theft, or damage. The plans cost $14 or $17 per month, depending on the device, and offer perks such as unlimited screen and back glass repairs, cloud storage, and technical support.
If you have AT&T phone insurance and need to make a claim, the process is as follows:
- Go to the ATT Claims | Asurion page and enter your registered number and other required details.
- Answer questions about what's wrong with your device, and you'll be provided with repair or replacement options.
- Make a selection, and then track the status of your claim via the same page or by calling 888.562.8662.
- Make sure to file the claim within 60 days of the incident, and try to do it as soon as possible.
- If your device is lost or stolen, call AT&T to get your service temporarily suspended to prevent unauthorized use.
- If you're eligible for a replacement device, return your old device using the prepaid shipping label provided.
With AT&T Protect Advantage, you can get same-day replacement for select devices in select areas, and in most cases, you'll receive your replacement device within 1-2 business days. Some devices also qualify for cracked screen repair, which is available in certain areas.
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Smartphone insurance vs credit card protection
Smartphone insurance is a valuable option to consider, especially with modern devices becoming increasingly expensive. AT&T's Protect Advantage insurance plan, for example, offers protection against loss, theft, and damage, including unlimited screen and back glass repairs. The plan also includes perks such as cloud storage and technical support. The cost of this plan is $14 or $17 per month, depending on the device, which can be a significant additional expense.
On the other hand, credit card cell phone protection can be a useful alternative or supplement to traditional smartphone insurance. Some credit cards offer protection against damage, theft, and, in some cases, loss. This coverage is often secondary to any other insurance you may have, and there may be deductibles and limitations on the number of claims. Credit card protection typically requires you to pay your monthly phone bill with the eligible card, and the phone numbers must be listed on the monthly bill. While credit card protection can be a valuable perk, it's important not to choose a credit card solely based on this feature, as rewards and cash-back programs may offer more overall value.
When deciding between smartphone insurance and credit card protection, it's essential to consider your personal needs and circumstances. If you work in an environment where your phone is at greater risk of damage or if you own an expensive device, insurance might be a worthwhile investment. However, if you regularly upgrade your phone or keep it well-protected with a case, you may not need the extra coverage. Additionally, if you can afford to replace your phone without financial strain, insurance may not be necessary.
Credit card protection can be a good option if you're looking for secondary coverage or if you want to avoid the monthly cost of traditional insurance. However, it's important to carefully read the fine print of any credit card offer, as certain programs may not cover loss or cosmetic damage. Additionally, credit card protection might not extend to every device in a family plan.
Ultimately, the decision between smartphone insurance and credit card protection depends on factors such as your financial situation, the value of your device, your usage habits, and the specific terms and limitations of the coverage plans. Both options can provide valuable peace of mind and financial protection against the cost of replacing or repairing your smartphone.
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Device protection plans and perks
Whether or not you need device protection depends on your personal circumstances, the device you own, and your usage and handling habits. For example, if you work in an environment where your phone is at greater risk of damage, or you own an expensive device, device protection is likely a good idea. On the other hand, if you regularly upgrade your phone or keep it protected with a case and screen protector, you might not need the extra expense.
AT&T offers device protection through its Protect Advantage plans, which provide coverage for your device in case of loss, theft, or accidental damage. The plans offer unlimited screen and back glass repairs, which are the components most likely to need repairing if your phone is dropped. Deductibles for screen repairs are $29, and although AT&T doesn't publish deductibles for other types of claims, you can use its deductible estimator tool to get an idea of what you'll need to pay.
AT&T Protect Advantage also includes perks such as free cloud storage for storing your photos and videos, and access to tech support. The ProTech app has built-in diagnostic capabilities and can help you optimise your phone's performance. Claims are handled by Asurion Protection Services, LLC, and you can track the status of your claim online or by calling 888.562.8662.
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Personal factors and considerations
Deciding whether to purchase phone insurance is a personal decision that depends on several factors, including the value of your device, your financial situation, and your usage and handling habits.
Firstly, consider the value of your device. If you own an expensive smartphone, the peace of mind that comes with knowing it's protected against loss, theft, or damage may be well worth the cost of insurance. On the other hand, if you have a cheaper phone that you can easily replace, insurance may be an unnecessary expense.
Your financial situation is another important consideration. Think about whether you could afford to replace your phone if it was lost, stolen, or damaged. If replacing your phone would be financially burdensome, insurance could be a good option to protect yourself from a significant expense. However, if you can easily afford to replace your phone, the additional cost of insurance may not be justifiable.
Your usage and handling habits also play a role in the decision. If you work in an environment where your phone is at a higher risk of damage or tend to be clumsy with your device, insurance might be a wise investment. Additionally, consider how often you upgrade your phone. If you regularly buy the latest model, you may not need insurance as frequently as someone who keeps their phone for several years.
It's also worth exploring alternative protection methods. For example, a protective case can add a layer of defence against accidental drops and impacts. Screen protectors can also help prevent cracked screens. These one-time purchases can offer some peace of mind without the ongoing cost of insurance.
Lastly, don't forget to research the insurance plan's details. Understand the duration of coverage, the deductible you'll need to pay, and any additional perks included, such as cloud storage or tech support. Weigh the benefits against the cost to make an informed decision about whether AT&T phone insurance is worth it for your specific circumstances.
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Frequently asked questions
AT&T Protect Advantage phone insurance covers repairs or replacements in the event of an accident, loss, theft or damage. It also includes unlimited cloud storage, tech support, data recovery, device sanitation and more.
AT&T Protect Advantage costs $14 or $17 per month, depending on the device. For $45 per month, you can insure up to four devices.
Whether or not AT&T phone insurance is worth it depends on your personal circumstances. If you can afford to replace your phone without financial strain, then purchasing insurance might not be worth it. However, if replacing your phone would be burdensome, then it might be worth considering.
All AT&T phone insurance claims are handled by Asurion Protection Services, LLC. You can start the process by heading to the ATT Claims | Asurion webpage and entering your registered number. You'll then be asked some questions to determine what's wrong with your device, and you'll be provided with repair or replacement options.
