Does T-Mobile insurance plans
cover cracked screens, lost phones or water damage?
Find out what T-Mobile phone
insurance plans covers (and what it doesn’t) in our overview.
T-Mobile insurance plans
T-Mobile provide three insurance plans: Protection 360, Basic Device Protection and Premium Handset Protection for prepaid phones.
Coverage and pricing depend on which plan you select.
T-Mobile’s insurance plan covers accidental
damage (including cracked screens and water damage).
device malfunctions, theft and loss. In this T-Mobile insurance plan your phone, standard battery,
standard charger and SIM card (if applicable) are covered.
Additional accessories that came with your phone are only covered in this T-Mobile insurance
plan if they are lost or stolen with your phone.
The T-Mobile insurance plan comes with 24 months.
This T-Mobile insurance plan does not cover misuse or fire, damages from abuse, pre-existing conditions.
intentional or cosmetic damages, repairs from unauthorized providers, manufacturer recalls.
In this T-Mobile insurance plan there is no deductible or claim limit for malfunctioning devices.
though there is a $5 processing fee for replacement phones in T-Mobile insurance plan.
Accidental damage deductibles range between $10 and $99 in T-Mobile insurance plan,
depending on the type of phone you have.
If you have an iPhone, the cracked screen deductible is $29.
Loss and theft deductibles range between $10 and $249, depending on your phone in T-Mobile insurance plan.
The T-Mobile insurance plan limits you to 3 accidental damage claims within any 12-month period.
iPhone users get 2 damage claims under Apple Care; a third claim would be covered
by T-Mobile insurance plan but would incur a $99 deductible for a cracked iPhone screen.
T-Mobile insurance plan Protection 360 also comes with accelerated JUMP!
upgrades (after 12 months or when 50 percent
of your phone is paid off), McAfee Security with ID Theft Protection.
unlimited screen protector replacements and Tech PHD by Assurant, which provides support
for connected devices and handles
non-AppleCare insurance claims.
Monthly premiums range between $7 and $15 per month, depending on which phone do you have.
Basic Device Protection
T-Mobile insurance plan Basic Device
Protection Plan covers malfunctioning phones.
accidental damage (including water damage and cracked screens), theft and loss.
Like Protection 360, this T-Mobile
insurance plan covers your phone, battery, charger and SIM card;
and other accessories are only covered if they’ stolen with your phone.
T-Mobile insurance plan does not offer
accelerated JUMP! upgrades, unlimited screen protector replacements.
unlimited screen protector replacements Apple Care services, McAfee Security or Tech PHD.
The T-Mobile insurance plan is limited to 2 claims within any 12-month period.
Coverage limitations and exclusions are
identical to Protection 360.
which means that T-Mobile insurance
plan does not cover damages from abuse, intentional or cosmetic damages.
misuse or fire, pre-existing conditions,
repairs from unauthorized providers, manufacturer or recalls.
There are no deductibles or claim
limitations for malfunctioning
devices in T-Mobile insurance plan.
though T-Mobile charges a $5 processing fee for replace your phone.
Deductibles for loss, accidental
damage and theft range between $10 and $249, depending on your phone type.
In T-Mobile insurance plan basic
Device Protection costs $1 less per month per tier than Protection 360,
so it ranges from $6 to $14 per month.
Note that accidental damage deductibles for Tier 4 and 5 phones are $149 and $249.
so if you have an expensive phone it
might be worth paying the additional $1 per month for Protection 360 T-Mobile insurance plan.
Premium Handset Protection (Prepaid Phones)
This T-Mobile insurance plan is exclusive to T-Mobile’s prepaid phone customers.
It covers malfunctioning phones, theft, loss and accidental damage (including water damage and cracked screens).
Deductibles range between $20 and $175 in T-Mobile insurance plan, depending on which phone do you have.
The plan covers 2 claims within any 12-month period.
Your phone, standard charger, SIM card and standard battery are all covered.