Paul Sanchez
AT&T offers two insurance plans, 'AT&T Protect Advantage' and 'AT&T Protect Advantage for 4', to safeguard your devices from loss, theft, accidental damage, and out-of-warranty malfunctions. The plans cover smartphones, smartwatches, tablets, laptops, and home phones. To qualify for a replacement phone, you must enroll in one of the plans, pay a monthly charge, and a deductible amount based on your device's tier. Once your claim is approved, you can receive a new or refurbished replacement device, with the option for same-day delivery in select areas.
AT&T Phone Insurance Replacement Characteristics and Values
| Characteristics | Values |
|---|---|
| Devices Covered | Smartphones, smartwatches, tablets, laptops, and home phones |
| Coverage | Loss, theft, accidental damage, out-of-warranty malfunctions, physical damage, mechanical or electrical failure |
| Exclusions | Intentional damage, cosmetic damage, device failures due to faulty parts or workmanship, contraband, property in illegal transportation or trade, data, nonstandard external media, and nonstandard software |
| Cost | Monthly charge (plus taxes) billed to wireless account; deductible amount based on device tier |
| Replacement Devices | New or refurbished |
| Delivery Time | Next-day delivery available, except for Alaska, Hawaii, Puerto Rico, and U.S. Virgin Islands |
| Claims Process | Handled by Asurion Protection Services, LLC; claims can be filed online or over the phone |
| Unlimited Claims | Available for loss, theft, and physical damage; unlimited screen and back glass repairs, battery replacements, and photo and video storage |
| Additional Benefits | ProTech support, periodic device checkups, cleaning and optimization services |
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What You'll Learn
Loss, theft, and physical damage
AT&T offers two insurance plans under the 'AT&T Protect Advantage' brand, which are available with the carrier's postpaid wireless plans. The plans cover smartphones, smartwatches, tablets, laptops, and home phones.
The first plan is called 'AT&T Protect Advantage' and covers one device. The second plan is called 'AT&T Protect Advantage for 4' and covers up to four devices, including those not connected to the carrier's wireless network. This plan costs $50 per month and allows unlimited claims, with a maximum device value of $3,500 per claim. Both plans renew monthly until cancelled and can be easily cancelled at any time without penalty, with a prorated refund.
The AT&T Protect Advantage plans cover loss, theft, and physical damage. In the event of a loss, AT&T's obligation is to repair or replace, at their sole option, the covered property. This includes coverage for physical damage, theft, or loss by mysterious disappearance or other unintentional permanent loss of possession. The plans also include mechanical or electrical failure coverage.
AT&T's insurance plans do have some exclusions. For example, intentional damage, cosmetic damage, and device failures due to faulty parts or workmanship are excluded. Loss caused by or resulting from war, warlike action, government action, or failure to protect the covered property from further loss are also not covered.
To initiate the insurance claim process, you can visit the ATT Claims | Asurion website and enter your registered number. You will be asked questions to determine what is wrong with your device and will then be provided with repair or replacement options.
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Screen and back glass repairs
AT&T offers screen and back glass repairs through its Asurion phone insurance. This insurance is optional and is provided by Asurion, the plan administrator, or any other authorised representative of CNA. The deductible amount for your device can be found on phoneclaim.com/att or by calling Asurion Customer Care.
Asurion will replace the screen glass for $29 if the screen itself is still fully functional. If the screen is damaged beyond just the glass, or if both the front and back glass are damaged, the entire phone will need to be replaced. Same-day replacement is available for select devices in certain areas, provided that claims are filed and approved by 4 pm.
It is important to note that Asurion device protection only covers repairs performed by their technicians. If you are in an area where an Asurion technician is not available, your only option is a full device replacement. Additionally, intentional damage, cosmetic damage, and device failures due to faulty parts or workmanship are excluded from coverage.
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Battery replacements
AT&T offers insurance for your phone, which can be purchased within 30 days of buying a new phone or upgrading your old one. The company offers three different levels of insurance, with each level having its own benefits. The standard mobile insurance costs $9 per month and will only provide a replacement phone. The AT&T Mobile Protection Pack costs $12 per month and offers additional benefits such as a tech support app and photo storage. The AT&T Multi-Device Protection Pack costs $35 per month and covers up to three lines.
AT&T's insurance covers physical damage, theft, loss, and mechanical or electrical failure. However, it is important to note that there are some exclusions to the coverage. Intentional damage, cosmetic damage, and device failures due to faulty parts or workmanship are not covered. Additionally, loss or damage to batteries is generally not covered, unless the battery is part of a covered accessory and is lost or damaged along with other covered property.
If you are experiencing issues with your phone's battery and are considering a battery replacement, it is important to review your insurance plan. Some lower-tier insurance plans may not cover battery replacements, while others may offer it as an option. In some cases, AT&T and its insurance partner, Asurion, may offer to replace the entire device instead of just the battery, especially if the battery is not inflated. This decision is made at their discretion and may depend on the availability of parts and technicians.
If your device is still within the manufacturer's warranty period, you may be able to send it in for a replacement at little to no additional charge. However, it is important to check the warranty terms and conditions, as only devices purchased from AT&T or an official reseller are typically covered. Additionally, devices with liquid or physical damage may be deemed ineligible for warranty replacement.
When considering a battery replacement or a full device replacement, it is important to weigh your options. A full device replacement through insurance may result in a refurbished device, which may have an old battery. In some cases, it may be more advantageous to upgrade to a new phone, take advantage of sales or trade-in offers, and pay the deductible.
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Out-of-warranty malfunctions
If your phone malfunctions, gets lost, or gets damaged, AT&T may replace it for free or at a low cost. To qualify for a phone insurance replacement at AT&T, you must have enrolled in one of AT&T's two phone insurance plans: AT&T Protect Advantage or Mobile Insurance with Asurion, AT&T's insurance partner.
AT&T Protect Advantage is the carrier's most comprehensive insurance plan. It includes coverage for one or up to four devices, same-day device repairs, replacements, and setup, and unlimited claims for accidental damage from handling (ADH) and out-of-warranty malfunctions. It also offers unlimited claims for loss, theft, and physical damage (excluding ADH), unlimited screen and back glass repairs, unlimited battery replacements, and ProTech support.
The other insurance plan, AT&T Mobile Insurance, is an optional insurance coverage that you are not required to purchase to use AT&T's services or devices. This plan covers loss, theft, and accidental damage from handling, as well as out-of-warranty malfunctions.
To make a claim for an out-of-warranty malfunction, you can call the AT&T customer service line at 800-331-0500 or take your phone directly to an AT&T store. You will need to provide your AT&T account information, such as your email address and phone number, so they can confirm the warranty and service. The customer support operator will then direct you on any further steps or actions you need to take. If your claim is approved, you can receive your replacement device as soon as the next day, depending on your location.
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Non-refundable service fees
AT&T's phone insurance service, offered under the 'AT&T Protect Advantage' brand, is available with the carrier's postpaid wireless plans. The insurance plans cover screen and back glass repairs, battery replacements, and more. To be eligible for a repair or replacement, you must enrol in one of the two phone insurance plans.
The first plan is called 'AT&T Protect Advantage', and the second is called 'AT&T Protect Advantage for 4', which allows you to insure up to four devices, including those not connected to the carrier's wireless network. This plan costs $50 per month and allows unlimited claims, with a maximum device value of $3,500 per claim.
Both these phone insurance plans renew monthly until cancelled and can be easily cancelled anytime without penalty, with a prorated refund. It is important to note that replacement devices may be new or refurbished.
Now, coming to the non-refundable service fees, or deductibles, these range from $25 to $275 and are charged based on the device. The deductible amount for your device can be found on phoneclaim.com/att or by calling Asurion Customer Care at 888-562-8662. Some devices may be moved to a different deductible tier during their lifecycle.
The insurance coverage does contain certain limitations and exclusions. For example, intentional damage, cosmetic damage, and device failures due to faulty parts or workmanship are excluded. Complete exclusions and limitations can be found in the included Coverage Certificate. The Coverage Certificate also provides the entire agreement between CNA and the customer, outlining the complete terms and conditions of the coverage provided.
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Frequently asked questions
AT&T's phone insurance plans cover screen and back glass repairs, battery replacements, and more. The plans also offer backup storage solutions. AT&T covers physical damage, theft, or loss by mysterious disappearance or other unintentional permanent loss of possession, and mechanical or electrical failure.
Intentional damage, cosmetic damage, device failures due to faulty parts or workmanship, contraband or property in the course of illegal transportation or trade, property in transit to you from a manufacturer or seller that is not the Authorized Service Facility, data, nonstandard external media, and nonstandard software are not covered under AT&T's phone insurance replacement.
To file a claim, go to the link — ATT Claims | Asurion — and enter the required details like your registered number. You'll be asked some questions to determine what's wrong with your device, and based on that, you'll be provided with repair or replacement options. You can also contact the Insurance support team at 888-562-8662 for further assistance.
