T-Mobile Insurance: What It Covers, What It Doesn’t | Compare Plans on Flipsy

Does T-Mobile insurance cover cracked screens, lost phones or water wrong ? Find out what T-Mobile earphone insurance covers ( and what it doesn ’ thyroxine ) in our overview. call To Sell ? Find Trade In & Cash Value ›

T-Mobile insurance options compared

T-Mobile offers three insurance tiers: Protection 360, Basic Device Protection and Premium Handset Protection for prepaid phones. Coverage and pricing depend on which tier you select.

PROTECTION 360 BASIC DEVICE PROTECTION PREMIUM HANDSET PROTECTION (Prepaid Only)
MONTHLY PREMIUM $7 – $15 $6 – $14 $8
COVERS Malfunctions, accidental damage (incl. cracked screens & water damage), loss & theft   Phone, charger, battery & SIM card (if applicable). Other original accessories are only covered if they are lost or stolen with the phone Malfunctions, accidental damage (incl. cracked screens & water damage), loss & theft   Phone, charger, battery & SIM card (if applicable). Other original accessories are only covered if they are lost or stolen with the phone Malfunctions, accidental damage (incl. cracked screens & water damage), loss & theft   Phone, charger, battery & SIM card (if applicable). Other original accessories are only covered if they are lost or stolen with the phone
DOES NOT COVER Damages from abuse, misuse, fire, unauthorized repairs, intentional or cosmetic damage, Acts of God Damages from abuse, misuse, fire, unauthorized repairs, intentional or cosmetic damage, Acts of God Damages from corrosion or rust, failure to follow maintenance guidelines, intentional damage, unauthorized repairs, power fluctuations
MALFUNCTIONING PHONE DEDUCTIBLE $0 ($5 processing fee for replacement phones) $0 ($5 processing fee for replacement phones) $0 ($5 processing fee for replacement phones)
ACCIDENTAL DAMAGE DEDUCTIBLE $10 – $99 $10 – $249 $20 – $175
LOSS OR THEFT DEDUCTIBLE $10 – $249 $10 – $249 $20 – $175
CLAIM LIMITS 3 within 12 months 2 within 12 months 2 within 12 months
ADDITIONAL SERVICES JUMP! upgrades AppleCare (iPhones only) Unlimited screen protector replacements McAfee Security with ID Theft Protection Tech PHD by Assurant n/a n/a
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Protection 360

T-Mobile’s most comprehensive insurance plan covers device malfunctions, accidental damage (including cracked screens and water damage), loss and theft. Your phone, standard charger, standard battery and SIM card (if applicable) are covered.

Additional accessories that came with your phone are only covered if they are lost or stolen with your phone. The plan comes with 24 months of AppleCare for iPhone users.

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The plan does not cover damages from abuse, misuse or fire, intentional or cosmetic damages, pre-existing conditions, repairs from unauthorized providers, manufacturer recalls or Acts of God.

There is no deductible or claim limit for malfunctioning devices, though there is a $5 processing fee for replacement phones. Accidental damage deductibles range between $10 and $99, depending on which 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 (BYOD phones are considered Tier 5).

TIER (phone value) MONTHLY PREMIUM DEDUCTIBLES EXAMPLES
1 (up to $150) $7 Accidental Damage: $10 Loss/Theft: $10 Alcatel 665 Huawei Prism II LG K10
2 ($150 – $350) $9 Accidental Damage: $49 Loss/Theft: $49 HTC Amaze 4G LG V20 Samsung Galaxy S5
3 ($350 – $600) $12 Accidental Damage: $99 (or $29 for iPhone screen repair) Loss/Theft: $99 iPhone 4, 5, 6s & SE Samsung Galaxy S6 & S7 LG G3, G5 & G6
4 ($600 – $800) $14 Accidental Damage: $99 (or $29 for iPhone screen repair) Loss/Theft: $149 iPhone 6, 6s Plus, 7 & 7 Plus Galaxy Note 5, S6 Edge, S6 Edge+, S7 Edge, S8, S9
5 ($800 – $1,200) $15 Accidental Damage: $99 (or $29 for iPhone screen repair) Loss/Theft: $249 iPhone 8, 8 Plus, XS, XS Max Galaxy S10, S10+, Note 8 & Note 9 LG V10 & V30+

The plan limits you to 3 accidental damage claims within any 12-month period. iPhone users get 2 damage claims under AppleCare; a third claim would be covered by T-Mobile but would incur a $99 deductible for a cracked iPhone screen (versus the standard $29 AppleCare deductible).

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T-Mobile Protection 360 also comes with Monthly premiums range between $7 and $15 per month, depending on your phone’s value.

Basic Device Protection

T-Mobile’s Basic Device Protection Plan covers malfunctioning phones, accidental damage (including cracked screens and water damage), loss and theft. Like Protection 360, the plan covers your phone, charger, battery and SIM card; and other accessories are only covered if they’re lost or stolen with your phone. It does not offer accelerated JUMP! upgrades, AppleCare services, unlimited screen protector replacements, McAfee Security or Tech PHD.

The plan is limited to 2 claims within any 12-month period. Coverage limitations and exclusions are identical to Protection 360, which means it does not cover damages from abuse, misuse or fire, intentional or cosmetic damages, pre-existing conditions, repairs from unauthorized providers, manufacturer recalls or Acts of God.

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There are no deductibles or claim limitations for malfunctioning devices, though T-Mobile charges a $5 processing fee for replacement phones. Deductibles for accidental damage, loss and theft range between $10 and $249, depending on your phone’s value.

Basic Device Protection costs $1 less per month per tier than Protection 360, so it ranges from $6 to $14 per month (BYOD phones are considered Tier 5). Note that accidental damage deductibles for Tier 4 and 5 phones are $149 and $249, versus $99 on the Protection 360 plan, so if you have an expensive phone it might be worth paying the additional $1 per month for Protection 360.

TIER (phone value) MONTHLY PREMIUM DEDUCTIBLE (accidental damage, loss & theft) EXAMPLES
1 (up to $150) $6 $10 Alcatel 665 Huawei Prism II LG K10
2 ($150 – $350) $8 $49 HTC Amaze 4G LG V20 Samsung Galaxy S5
3 ($350 – $600) $11 $99 iPhone 4, 5, 6s & SE Samsung Galaxy S6 & S7 LG G3, G5 & G6
4 ($600 – $800) $13 $149 iPhone 6, 6s Plus, 7 & 7 Plus Galaxy Note 5, S6 Edge, S6 Edge+, S7 Edge, S8, S9
5 ($800 – $1,200) $14 $249 iPhone 8, 8 Plus, XS, XS Max Galaxy S10, S10+, Note 8 & Note 9 LG V10 & V30+

Premium Handset Protection (Prepaid Phones)

This insurance plan is exclusive to T-Mobile’s prepaid phone customers. It covers malfunctioning phones, accidental damage (including cracked screens and water damage), loss and theft. Deductibles range between $20 and $175, depending on the phone you have.

The plan covers 2 claims within any 12-month period. Your phone, standard charger, standard battery and SIM card (if applicable) are all covered. Additional accessories are covered if they’re lost or stolen with your phone.

TIER (phone value) MONTHLY PREMIUM DEDUCTIBLE (all claims)
1 (up to $200) $8 $20
2 ($200 – $300) $8 $50
3 ($300 – $500) $8 $100
4 ($500 – $700) $8 $150
5 ($700 – $900) $8 $175

The plan does not cover damage from corrosion or rust, failure to follow maintenance guidelines, intentional damage, unauthorized repairs, pre-existing conditions, warranty-related claims or power fluctuations. Pricing is $8 per month for all prepaid phones.

T-Mobile offers three policy tiers : protection 360, Basic Device Protection and Premium Handset Protection for prepay phones. coverage and price depend on which tier you select.T-Mobile ’ randomness most comprehensive insurance plan covers device malfunctions, accidental damage ( including cracked screens and water price ), loss and larceny. Your telephone, standard charger, standard battery and SIM card ( if applicable ) are covered.Additional accessories that came with your call are only covered if they are lost or stolen with your earphone. The plan comes with 24 months of AppleCare for iPhone users.The plan does not cover damages from pervert, misapply or displace, designed or cosmetic damages, preexistent conditions, repairs from unauthorized providers, manufacturer recalls or Acts of God.There is no deductible or claim limit for malfunctioning devices, though there is a $ 5 action tip for substitution phones. accidental damage deductibles range between $ 10 and $ 99, depending on which type of earphone you have.If you have an iPhone, the crack shield deductible is $ 29. Loss and larceny deductibles range between $ 10 and $ 249, depending on your call ( BYOD phones are considered Tier 5 ) .The plan limits you to 3 accidental price claims within any 12-month menstruation. iPhone users get 2 wrong claims under AppleCare ; a third gear title would be covered by T-Mobile but would incur a $ 99 deductible for a crack iPhone screen ( versus the standard $ 29 AppleCare deductible ) .T-Mobile Protection 360 besides comes with accelerated JUMP ! upgrades ( after 12 months or when 50 percentage of your telephone is paid off ), McAfee Security with ID Theft Protection, unlimited screen door defender replacements and Tech PHD by Assurant, which offers support for connected devices and handles non-AppleCare policy claims.Monthly premiums range between $ 7 and $ 15 per month, depending on your earphone ’ second value.T-Mobile ’ randomness Basic Device Protection Plan covers malfunctioning phones, accidental price ( including cracked screens and water damage ), loss and larceny. Like Protection 360, the plan covers your telephone, charger, battery and SIM card ; and other accessories are only covered if they ’ re lost or stolen with your telephone. It does not offer accelerate JUMP ! upgrades, AppleCare services, inexhaustible screen defender replacements, McAfee Security or Tech PHD.The design is limited to 2 claims within any 12-month period. coverage limitations and exclusions are identical to Protection 360, which means it does not cover damages from pervert, pervert or fire, intentional or cosmetic damages, preexistent conditions, repairs from unauthorized providers, manufacturer recalls or Acts of God.There are no deductibles or claim limitations for malfunctioning devices, though T-Mobile charges a $ 5 process fee for replacement phones. Deductibles for accidental damage, loss and larceny range between $ 10 and $ 249, depending on your phone ’ second value.Basic Device Protection costs $ 1 less per calendar month per tier than Protection 360, so it ranges from $ 6 to $ 14 per calendar month ( BYOD phones are considered Tier 5 ). note that accidental damage deductibles for Tier 4 and 5 phones are $ 149 and $ 249, versus $ 99 on the Protection 360 plan, thus if you have an expensive call it might be worth paying the extra $ 1 per calendar month for Protection 360.This policy plan is exclusive to T-Mobile ’ sulfur prepaid telephone customers. It covers malfunctioning phones, accidental damage ( including cracked screens and urine damage ), loss and theft.Deductibles range between $ 20 and $ 175, depending on the call you have.The design covers 2 claims within any 12-month time period. Your call, standard charger, standard barrage and SIM menu ( if applicable ) are all cover. extra accessories are covered if they ’ re lost or stolen with your phone.The plan does not cover damage from corrosion or rust, bankruptcy to follow sustenance guidelines, intentional damage, unauthorized repairs, preexistent conditions, warranty-related claims or exponent fluctuations.Pricing is $ 8 per month for all postpaid phones. Trade In Values Compared : How To Sell A Phone For More ›

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