T-Mobile insurance: everything you need to know
T-Mobile’s coverage has improved dramatically over the years, and today this operator offers some of the best cell phone plans. There’s no better time to join a carrier, especially if you’re a heavy data user and want to start enjoying 5G. In fact, T-Mobile is the national leader in 5G coverage and has some of the most ambitious plans to continue expanding its 5G spectrum across the country with increased speed and capacity.
If you just bought a new 5G phone like the iPhone 13 or if you’re planning to switch to T-Mobile, adding T-Mobile phone insurance is a great way to protect your shiny new device if something goes wrong. While most of us overlook phone protection plans, here’s what you need to know to make the right decision for you.
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What is T-Mobile phone insurance?
We’ve all owned a device that one day stopped working or got stolen from our hands while on vacation in Europe. If this doesn’t sound familiar to you, then you may consider yourself lucky. Accidents happen more often than you might think, which is where a great phone insurance plan comes in. If you’re new to T-Mobile and recently purchased a new device, you have the option of protecting your investment with one of its phone insurance plans. : Device protection or Protection 360.
Device Protection and Protection 360 protect your new phone in the event of failure due to hardware or mechanical issues, accidental damage, loss or theft. A phone insurance plan is useful because it protects your device even after the manufacturer’s warranty has expired, which could save you a lot of money in the end.
Who can purchase T-Mobile phone insurance?
To take advantage of T-Mobile phone insurance, you must be a postpaid T-Mobile customer and register no later than 30 days after purchasing a qualified T-Mobile device. If you purchased your device on your own (for example, directly from the manufacturer) or want to register after this 30 day deadline, you will need to bring your device to a T-Mobile store for inspection. While it is still possible to register, it is easier to decide upon purchasing the device.
How much does T-Mobile phone insurance cost?
T-Mobile phone insurance, especially Protection 360, can cost anywhere from $ 7 per month plus tax to $ 18 per month plus tax depending on the device you own. The more expensive the device, the more you can expect to pay in phone insurance. If you pay $ 18 per month, that will add up to at least $ 216 per year in phone insurance.
What are the benefits of T-Mobile phone insurance?
T-Mobile offers two types of phone insurance plans: Device Protection and Protection 360. If you’re looking for the most coverage possible, Protection 360 is T-Mobile’s most comprehensive insurance plan. If you are unsure, both insurance plans include the following:
- Convenient claim filing
- Extensive coverage for hardware service issues (mechanical failure), accidental damage, loss and damage
- At least six months replacement warranty coverage
- Reduced fees and deductibles for a new replacement device
In addition to this, the Protection 360 plan includes:
- AppleCare Services
- JUMP! upgrades that allow you to upgrade an EIP-funded device more often
- McAfee Security for T-Mobile with Identity Theft Protection
- Tech PHD by Assurant will file a claim for connected devices such as routers, game consoles and smart TVs
- Unlimited screen protector replacement at T-Mobile stores
Also keep in mind that Device Protection accepts a maximum of two approved claims within 12 months while Protection 360 accepts a maximum of three for accidental damage, loss or theft and all claims are subject to a service charge. or a franchise. But if you’re having hardware issues, there’s no maximum for the number of claims you can make under either plan.
How do I file a T-Mobile phone insurance claim?
If you have encountered any of the scenarios covered by telephone insurance (loss, theft, damage or property issues), 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 claim for accidental damage, loss or theft, make sure you have noted the make and model of your device, the date of the incident and the last time you used the device. You should also be prepared to share your user credentials and password, as well as have your username handy.
If you report a hardware problem such as a phone failure or malfunction, you can contact T-Mobile directly by calling 1-800-T-MOBILE or 1-800-937-8997 to request a replacement.
Is T-Mobile Phone Insurance Worth It?
T-Mobile phone insurance can be absolutely worth it if you’ve recently purchased an expensive device and want to make sure that if something happens to your phone, you don’t lose all that money. After all, today’s devices can cost an arm and a leg, and paying $ 7 to $ 18 per month is a fair price in the grand scheme of things, especially if you’re known to be clumsy or sloppy with your telephone.
Although new devices come with a manufacturer’s warranty, this warranty does not cover damage caused by accidents (and accidents do happen). However, for some people, T-Mobile phone insurance may not be worth the additional expense. If you want to change or upgrade your phones frequently, you can unsubscribe from insurance at your own risk.