T-Mobile Phone Insurance Plans: Coverage, Costs

This post may contain affiliate links. Which means we may earn a commission if you decide to make a purchase through our links. Please read our disclosure for more info.

T-Mobile is one of the most popular wireless phone carriers in the United States. It has over 104 million customers and it’s adding more every day. When you get a new device from the company, you will be offered insurance coverage. While this is not required to activate your service, this additional fee on your phone bill can provide extra protection. 

If you have been offered to get t mobile insurance or perhaps you already have it and your device was compromised, you may be wondering, “What does t mobile insurance cover?” The short answer is that t mobile insurance covers a lot! If you accidentally break your phone or drop it in water while on t-mobile coverage, they will replace it for free. The thing is, T-Mobile offers a variety of protection plans, which means the exact coverage will depend on what insurance plan you are enrolled in. 

In this blog post, we will give you a brief overview of each plan and talk about the coverage offered by each. This should help you to better understand t mobile insurance coverage.

What Is Covered in T-Mobile Phone Protection Plans?

Depending on the plan you have, the coverage will also differ. There are currently five types of phone protection plans offered by T-Mobile through two insurance providers – Assurant and Asurion. You can only enroll in these plans within 30 days of purchasing a new device. 

The first step to answer your coverage questions is to find out which one of the below plans applies to you. 

  • Basic Device Protection by Assurant
  • Protection<360>® by Assurant
  • Premium Handset Protection Bundle by Asurion
  • Premium Handset Protection Insurance by Asurion
  • Premium Handset Protection Warranty by Asurion

If you are not sure if you have an active plan, go to your My T-Mobile Account and check the HANDSET PROTECTION AND UPGRADES section. 

What Is Covered in T-Mobile Basic Device Protection?

As the name suggests, this is the basic insurance plan with no frills added. That does not mean, however, that you are not protected from common mishaps that could happen to your device.

Getting the Basic Device Protection for your phone provides you with the following coverage:

Coverage
Hardware Service / Mechanical Breakdown
Accidental Damage
Loss
Theft
Water Damage
Cracked Screen
Keyboard Not Working
Replacement of phone charger, battery, SIM card, and other accessories in case of simultaneous loss or theft with the device.
Added Benefits
File a claim online 24/7 through www.mytmoclaim.com or Tech PHD app.
The replacement device comes with a 6-month warranty or manufacturer’s warranty (whichever is longer).
For Hardware Service claims, no maximum on the amount of replacement
For Accidental Damage, Loss, or Theft claims, maximum of two (2) claims within a 12-month period.
FREE next business day shipping (if available) once the claim is approved.
Costs
From $6 to $14 per month depending on your device
Deductibles
Hardware Service – $0
Accidental Damage, Loss, Theft – $10 to $249 depending on your device

What Is Covered in T-Mobile Protection<360>®

This is the most comprehensive protection plan offered by T-mobile. It covers everything that the basic plan offers with a few attractive extras thrown in.

The Protection<360>® plan gives you the following coverage:

Coverage
Hardware Service / Mechanical Breakdown
Accidental Damage
Loss
Theft
Water Damage
Cracked Screen
Keyboard Not Working
Replacement of phone charger, battery, SIM card, and other accessories in case of simultaneous loss or theft with the device
Unlimited screen protector replacement
AppleCare Services
McAfee® Security for T-Mobile with ID Theft Protection for up to 10 devices
Added Benefits
File a claim online 24/7 through www.mytmoclaim.com or Tech PHD app
The replacement device comes with a 6-month warranty or manufacturer’s warranty (whichever is longer).
For Hardware Service claims, no maximum on the amount of replacement
For Accidental Damage, Loss, or Theft claims, maximum of five (5) claims within a 12-month period
FREE next business day shipping (if available) once the claim is approved.
Walk-in repair for eligible devices
JUMP!® Upgrades to get a new device after 12 months or once 50% of your Equipment installment Plan has been paid.
The Protection<360>® app by Assurant®12  gives you access to live tech support for all of your connected devices 
True Key™ premium password management to keep your accounts safe and remove the hassle of remembering passwords
Costs
From $7 to $25 per month depending on your device
Deductibles
Hardware Service – $0
Accidental Damage Screen-Only Repair – $29 for eligible smartphones
Accidental Damage – $10 to $199  depending on your device
Loss or Theft – $10 to $499 depending on your device

What Is Covered in T-Mobile Premium Handset Protection Bundle?

This Premium Handset Protection Bundle comes with Insurance, Warranty, and Mobile Security. Having this plan provides you with the following:

Insurance – Maximum of 2 claims in a 12-month period
Loss
Theft
Damage
Warranty
Malfunction or failures due to defects in materials or workmanship after the manufacturer’s warranty expires.
FREE Next business day shipping if available.
Discounted service warranty processing fee.
Mobile Security
Locate Your Phone through a visual history of where the phone has been and even find it on the map using the phone’s GPS. 
Sound An Alarm to find your phone if it is nearby.
Remotely Lock Your Phone and Wipe Data in case of theft or loss.
Cost
From $7.99 to $11.99 per month depending on your device
Deductibles
Loss, Theft, Damage – $20 to $175 depending on your device
One-Time Service Warranty Processing Fee – $5

What Is Covered in T-Mobile Premium Handset Protection Insurance?

This plan only covers Insurance and Mobile Security. It does not come with additional warranty coverage.

Insurance – Maximum of 2 claims in a 12-month period
Loss
Theft
Damage
Mobile Security
Locate Your Phone through a visual history of where the phone has been and even find it on the map using the phone’s GPS. 
Sound An Alarm to find your phone if it is nearby.
Remotely Lock Your Phone and Wipe Data in case of theft or loss.
Cost
From $4.79 to $7.79 per month depending on your device
Deductibles
Loss, Theft, Damage – $20 to $175 depending on your device
One-Time Service Warranty Processing Fee – $5

What Is Covered in T-Mobile Premium Handset Protection Warranty?

This is a standalone warranty plan that only provides you with a warranty in addition to the manufacturer’s insurance. However, keep in mind that this is not an insurance product, therefore, it will not protect you in case of accidental damage, theft, and loss.

This Premium Handset Warranty only provides the following:

Warranty
Malfunction or failures due to defects in materials or workmanship after the manufacturer’s warranty expires.
FREE Next business day shipping if available
Discounted service warranty processing fee.
Cost
From $3.99 to $5.99 per month depending on your device
Deductibles
One-Time Service Warranty Processing Fee – $5

What is NOT covered in T-Mobile’s insurance plans?

Just because you have insurance does not mean everything is covered by the plan you have. Below are some of the exclusions of the T-Mobile Insurance plans. For any of these scenarios, you cannot claim against your insurance plan. 

Not Covered In Basic Device Protection And Protection<360>®
If the losses have been caused or resulted from misuse; abuse; service performed by anyone not authorized by T-Mobile; pre-existing conditions; manufacturer recall; intentional or cosmetic damage; certain acts of God; consequential damage; and, for BYOD, losses covered under a manufacturer’s warranty. 
Not Covered In Premium Handset Protection Insurance
Loss or damage that is covered under the manufacturer’s warranty. 
Intentional damage or cosmetic damage including cracking, marring, or scratching, change in color or other change in the exterior finish, expansion or contraction.
Seizure or destruction of property by order of governmental authority, war, insurrection, rebellion, revolution, usurped power or action.
Electrical and mechanical breakdown due to a faulty part or workmanship or normal wear and tear when operated according to the manufacturer’s instructions.
Dishonest, fraudulent or criminal acts, contraband or property in the course of illegal transportation or trade.
Obsolescence or depreciation
Virus, data lost, corrupted, damaged or otherwise unusable
Property that has been entrusted to (including property in-transit) others for any service, repair or replacement, other than the Authorized Service Center or its designee.
Nonstandard External Media
Batteries (unless otherwise covered as a covered accessory when part of a loss to other Covered Property)
Nuclear hazard
Not Covered In Premium Handset Protection Warranty
Abuse, loss, theft, fire, flood, wind, lightning, freezing, power failure, power reduction, unusual atmospheric conditions and similar fortuitous events
Non-functional parts or defects, such as cosmetic defects, trim parts, etc.
Preventative maintenance
Batteries, chargers, and car kits
Data lost, corrupted, damaged or otherwise unusable
Accessories that are non-essential to the functioning of the product

Does T-Mobile Insurance Cover Cracked Screens?

Yes, all T-mobile insurance plans cover cracked screens.You will have to pay a deductible fee which will depend on your device model. 

Does T-Mobile Insurance Cover Water Damage?

Yes, all T-mobile insurance plans cover water damage. A deductible fee  will be charged depending on your device model. 

How To File An Insurance Claim With T-Mobile On Your Own

For Protection<360>® and Basic Device Protection plans (Assurant), you can file a claim 24/7 through either of the following: 

For Premium Handset Protection Bundle, insurance, and Warranty (Asurion), file a claim 24/7  through: 

Leave a Comment

Your email address will not be published. Required fields are marked *