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As one of the three biggest wireless carriers in the country, T-Mobile offers a diverse range of feature-packed cell phone plans. And of course, the 'un-carrier' also lets you choose from a plethora of phones to get the most out of those plans. That's all great, but if you really want to have the best experience as a customer, we suggest taking a look at T-Mobile phone insurance as well.
T-Mobile offers two plans offer under its 'Protection' insurance program, and these not only let you keep your pricey device(s) protected against any and all kinds of damage, but also make you eligible for some upgrade-related perks. To help you make the right decision, we've detailed everything there's to know about the service.
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No matter how careful we are with our devices, accidents can (and do) happen. And considering how expensive (majority of) modern-day smartphones are, it's important to keep them protected. This is exactly what T-Mobile's phone insurance program is designed to help you with. It's pretty similar to what the carrier's competitors AT&T and Verizon also offer, so do check them out if you're a customer of either of those two.
As mentioned before, there are two plans offered under T-Mobile's Protection service. These are mentioned below:
The first thing to note is that T-Mobile's phone insurance plans are only available for postpaid customers. If you're one, you can add Protection while purchasing a new device and/or activating it on the carrier's network. Although you can also do it later, it must be done within 30 days of the device's purchase/activation. The service requires your device to pass a physical and mechanical inspection, carried out in a T-Mobile store.
Note: As part of a limited-time 'Open Enrollment' promotion active till June 26, 2024, you can sign up for Protection regardless of your device's date of purchase.
Depending on the type of device, T-Mobile's Protection phone insurance will cost you $7-25 per month, excluding any applicable taxes. For New York customers only, Protection includes both plans (Insurance Device Protection and Service Contract Device Protection). However, they can be bought separately too. If you're a New York customer and purchase both plans, you'll get a discount of up to $1.50 on the Insurance Device Protection plan, based on your device's tier. You can avail this discount even if you've bought your device from another provider, provided you can show proof of service contract.
You'll be charged a service fee/deductible (plus tax) based on the tier of your device, after your claim is approved. You can file up to five accidental damage, theft, or loss claims in any rolling 12-month period. However, there's no limit on hardware service (mechanical breakdown) claims.
Protection is T-Mobile's extensive phone insurance program that comes with a whole lot of perks as mentioned below:
All Protection insurance claims are handled by Assurant, so you can go to the link — T-Mobile Premium Handset Protection | Assurant — and get started. As an alternative, you can also call Assurant at 866.866.6285 or use the 'Protection' app to file the claim. You'll be needing the following details for the process:
The best T-Mobile cell phone plans offer everything from super-fast 5G access to bundled streaming services, but they're certainly not cheap. What's more, you need a top-tier smartphone like the Samsung Galaxy S24 Ultra if you want to get the best experience with the un-carrier's feature-packed plans. And this is exactly why getting T-Mobile phone insurance makes sense.
Sure, it'll bump up your monthly wireless bill by a few dollars, but that's a small price to pay for making sure your premium device stays protected from any and all kinds of damage. Moreover, you'll also get additional benefits like unlimited replacements for screen protectors, malware protection, and more. So, unless you're one of those extremely careful individuals who go the extra mile to keep their devices in flawless condition, you'll find T-Mobile's Protection insurance program to be absolutely worth it.
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