T-Mobile has improved its coverage and now has some of the best services for cell phones. T-Mobile is the nation’s leader in 5G coverage, and it has big ambitions to expand its spectrum with enhanced speed and capacity.
Adding T-Mobile phone insurance is a terrific way to protect your new 5G phone if anything goes wrong. Here’s what you need to know to choose the appropriate phone protection plan:
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We’ve all had a device break or get stolen in Europe. You’re lucky if that’s not familiar. Accidents happen more often than we realize, so phone insurance is important. If you’re new to T-Mobile and just bought a gadget, you can protect it with Device Protection or Protection 360.
Device Protection and Protection 360 secure your new phone from hardware or mechanical faults, accidental damage, loss, or theft. After the manufacturer’s warranty is over, a phone insurance plan will protect your phone and save you money.
Who can enroll in T-Mobile phone insurance? (Image credit: T-Mobile)
Customers with a postpaid T-Mobile plan can sign up for phone insurance 30 days after buying a phone that is eligible.
If you bought your smartphone on your own or want to enroll after 30 days, you must bring it to a T-Mobile shop for inspection. It’s possible to enroll after purchasing the equipment, but it’s easier to decide then.
How much does T-Mobile phone insurance cost?
Protection 360, which is T-Mobile’s phone insurance plan, can cost anywhere from $7 to $25 per month plus tax, depending on the phone. Phone insurance costs more for more expensive devices. If you spend $25 a month for phone insurance, that’s $300 a year.
Benefits of T-Mobile phone insurance (Image credit: Chris Wedel)
T-Mobile offers two types of phone insurance plans: Device Protection and Protection 360. If you’re looking for the most coverage you can get, Protection 360 is T-Mobile’s most comprehensive insurance. If you’re not sure, both insurance plans include the following:
Convenient claim filing Extensive coverage for hardware service (mechanical breakdown) issues, accidental damage, loss, and left Replacement warranty coverage of at least six months Low fees and deductibles for a new replacement device
On top of that, the Protection 360 plan includes:
AppleCareServices JUMP! upgrades that let you upgrade an EIP financed device more often McAfee Security for T-Mobile with ID Theft Protection Tech PHD by Assurant to file a claim for connected devices such as routers, game consoles, and smart TVs Unlimited screen protector replacement in T-Mobile stores
Device Protection allows two authorized claims per year, whereas Protection 360 allows three. All claims are subject to a service fee or deductible. Hardware concerns have no claim limit under either plan.
You can file a claim online, through the Tech PHD app, or by calling Assurant at 1-866-866-6285 or Asurion at 1-866-268-7221. For any unintentional damage, loss, or theft claim, write down the device’s make, model, date, and last use. You should provide your user ID, password, and ID.
Call 1-800-T-MOBILE or 1-800-937-8997 to obtain a replacement for a broken or malfunctioning phone.
Is it worth it? (Image credit: T-Mobile)
T-Mobile phone insurance can be absolutely worth it if you recently purchased an expensive device and want to ensure that, should something happen to it, you won’t lose all of that money.
After all, devices today can cost an arm and a leg, and paying $7 to $25 a month is a reasonable price in the grand scheme of things, especially if you’re known to be clumsy or careless with your phone.
Although new devices do come with a warranty from the manufacturer, this warranty doesn’t cover any damage caused by accidents (and accidents happen). However, for some people, T-Mobile’s phone insurance may not be worth the extra expense.
If you like to change or upgrade phones frequently, you can opt out of insurance at your own risk.