Orlando Harmon
MetroPCS, now known as Metro by T-Mobile, offers its customers Premium Handset Protection® insurance for their phones and mobile devices. This insurance covers loss, theft, liquid damage, and mechanical or electrical breakdown. It also includes McAfee Security for Metro by T-Mobile with ID Theft Protection. While some customers have expressed dissatisfaction with the insurance, claiming that it is not worth it, others may find the peace of mind that comes with having insurance valuable. The insurance is optional and can be purchased for as low as $5 per month per device, with the cost varying depending on the device tier and area code.
| Characteristics | Values |
|---|---|
| Cost | $5 per month per device |
| Device insurance | Covers lost, stolen, or liquid-damaged devices, as well as mechanical or electrical breakdowns after the manufacturer's warranty expires |
| Mobile security | McAfee Security for Metro by T-Mobile with ID Theft Protection |
| Claim process | Must be filed as quickly as possible; requires images of the device and government-issued ID |
| Claim limits | Two approved claims within a 12-month period |
| Customer experience | Mixed reviews, with some customers reporting denied or unsatisfactory claims |
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What You'll Learn
- MetroPCS insurance is not worth it, according to some customers
- Premium Handset Protection costs $5 per month
- Device insurance and McAfee Security can be purchased separately
- Claims process requires proof of ID and images of the damaged device
- Customers can file up to two approved claims within a 12-month period
MetroPCS insurance is not worth it, according to some customers
The premium handset protection offered by MetroPCS covers lost or stolen devices, as well as liquid damage and mechanical or electrical breakdown after the manufacturer's warranty expires. The insurance also covers the standard battery, home charger, and SIM card. However, some customers feel that the insurance is useless, as their claims were denied even when they had a legitimate issue.
In addition to device insurance, MetroPCS also offers McAfee Security for mobile devices, which includes ID theft protection. This service can be added at any time and is subject to McAfee's terms and privacy policies. The cost of the premium handset protection varies depending on the device tier and whether McAfee Security is added, ranging from $5 per month per device to $9 per month for New York customers.
While MetroPCS insurance may provide some benefits, such as affordable device insurance and next-business-day shipment for approved claims, some customers feel that the insurance is not worth it due to issues with claims being denied and a lack of flexibility in data options. It is important for customers to carefully consider their needs and research the terms and conditions of the insurance before deciding whether to invest in MetroPCS insurance.
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Premium Handset Protection costs $5 per month
While some users have expressed dissatisfaction with MetroPCS insurance, the company offers Premium Handset Protection for $5 per month, which includes device insurance and mobile protection. This insurance covers loss, theft, liquid damage, and mechanical or electrical breakdown after the manufacturer's warranty expires. It also includes next-business-day shipment for approved claims made before 8:30 p.m. ET and online security features like McAfee Security for Metro by T-Mobile with ID Theft Protection.
The Premium Handset Protection plan must be purchased within 30 days of activating your new device, and the device must pass a visual mechanical inspection. The plan's cost varies depending on the device tier and area code, with a monthly cost of $6 for customers outside of New York, consisting of $3 for insurance and $3 for McAfee Security.
The insurance covers up to two approved claims within a 12-month period, after which coverage is terminated. To file a claim, you can enter your mobile or serial number on the website or call Assurant. The process may require providing identification and other documentation to verify your claim.
While the $5 monthly fee for Premium Handset Protection is relatively low, it's important to consider the limitations of the coverage. The plan only covers specific types of damage, and there are restrictions on the number of claims and timing. Additionally, the cost can vary depending on the device and location, with some customers paying $6 per month. Overall, while the insurance may provide peace of mind for a small fee, it's essential to understand the coverage's limitations before deciding if it's worth the cost.
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Device insurance and McAfee Security can be purchased separately
Metro by T-Mobile offers device insurance and McAfee Security as optional add-ons to your plan. You are not required to obtain insurance to purchase services or devices from Metro by T-Mobile, and you may cancel at any time.
Device insurance, or Premium Handset Protection (PHP), can be purchased for as low as $5 per month per device, although the price varies depending on the device tier and area code. PHP covers your device, the standard battery, standard home charger, and standard SIM card. It also covers liquid damage and mechanical or electrical breakdowns after the manufacturer's warranty expires. You can file up to two approved claims within a 12-month period, and claims approved before 8:30 pm ET are eligible for next-business-day shipment at no additional cost.
McAfee Security for Metro by T-Mobile with ID Theft Protection can be added to your device at any time for a monthly cost of $3 per device. This service safeguards your device against online threats, viruses, data loss, and risky apps.
Both device insurance and McAfee Security can be purchased separately, and you may enroll in either program within 30 days of activating your eligible device.
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Claims process requires proof of ID and images of the damaged device
Metro by T-Mobile offers affordable device insurance and mobile security with Premium Handset Protection. This includes coverage for your device, standard battery, standard home charger, and standard SIM card. To file a claim, you can visit mymetroclaim.com and select the “File, Continue and Track My Claim" section, or call Assurant at 1-800-316-2075.
The claims process requires you to provide proof of your identity and images of the damaged device. When submitting your proof of ID, you will need to provide two images when loading a driver's license: one for the front and one for the back. If you submit the same image twice, Metro by T-Mobile won't be able to verify your identification, and your claim will be delayed. If you are using a passport as proof of ID, use only the main page and ensure it is a clear photo with the barcode included.
If you are unable to take a picture of your ID with your phone, you can borrow someone else's device or upload a previously saved picture of a government-issued ID that adheres to the guidelines. Additionally, you will need to provide your 15-digit IMEI number, which can typically be found underneath the battery, on the device's original packaging, or on the purchase receipt. If your device is still working, you can dial *#06# to display the IMEI number, or check the device settings.
It is important to note that you are limited to two approved claims within a 12-month period, and once the claim limit is reached, coverage is terminated. Therefore, it is recommended to file a claim as quickly as possible to minimize downtime.
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Customers can file up to two approved claims within a 12-month period
Metro by T-Mobile offers its customers Premium Handset Protection® (PHP) for as low as $5 per month per device. This insurance plan includes device insurance and mobile protection. Customers can purchase the PHP Device Insurance and McAfee Security for Metro by T-Mobile with ID Theft Protection separately for $3 each per month per device. The monthly cost of PHP is $6 per device for customers with an area code from any state except New York.
The PHP insurance plan allows customers to file up to two approved claims within a 12-month period. Once the claim limit is reached, coverage is terminated. To file a claim, customers can enter their mobile number or serial number in the "File, Continue or Track My Claim" section on the Home page or by calling Assurant at 1-800-316-2075. It is recommended that customers file a claim as quickly as possible to minimize their downtime.
The PHP Device Insurance covers the device, the standard battery, standard home charger, and standard SIM card. It also covers liquid damage and mechanical or electrical breakdowns after the manufacturer's warranty expires. The plan offers next-business-day shipment at no additional cost for claims approved before 8:30 p.m. ET.
Customers can enroll in the PHP plan within 30 days of activating their eligible device. The device must pass a visual mechanical inspection at any Metro store. The cost of the PHP plan varies depending on the device tier and area code. To find their device tier, customers can visit mymetroclaim.com and go to "My Deductible." As the device depreciates, its tier may change, and the deductible will be adjusted accordingly.
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Frequently asked questions
MetroPCS insurance, or Premium Handset Protection®, covers lost or stolen devices, as well as liquid damage, mechanical or electrical breakdown, and online threats, viruses, data loss and risky apps.
The cost of MetroPCS insurance varies depending on the device tier and area code, but it can be as low as $5 per month per device. The monthly cost for customers with an area code from any state except New York is $6 per device, made up of $3 for insurance coverage and $3 for McAfee Security.
You can make up to two approved claims within a 12-month period. Once the claim limit is reached, coverage is terminated.
Some customers have reported negative experiences with MetroPCS insurance, stating that their claims were denied or that they received inadequate assistance. However, the decision to purchase insurance depends on individual needs and preferences. It is important to review the terms and coverage details before making a decision.
