T-Mobile Insurance gives you help when your phone breaks, gets lost, or is stolen. It’s called Protection<360>™. You pay a monthly fee. Then, if something bad happens, you file a claim and get a replacement or repair.
T-Mobile Insurance: What It Covers
T-Mobile Insurance covers many common problems. You can sign up within 30 days of buying your phone.
Here’s what you get:
- Broken screens
- Lost or stolen phones
- Damage from drops or spills
- Hardware failures
- AppleCare for iPhones (if eligible)
- McAfee security tools
Monthly Price and Deductibles
Your monthly fee depends on the value of your phone. Phones are grouped in tiers. Higher tiers cost more.
| Device Tier | Monthly Fee | Deductible (Range) |
|---|---|---|
| Tier 1 | $7 | $29 – $99 |
| Tier 2 | $9 | $29 – $149 |
| Tier 3 | $12 | $29 – $199 |
| Tier 4 | $15 | $29 – $249 |
| Tier 5 | $18 | $29 – $275 |
Some repairs, like screen fixes, may cost as little as $29. Full replacements cost more.
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How to File a Claim
Filing a claim is quick.
- Visit mytmoclaim.com
- Log in using your number or device info
- Explain what happened
- Pay the required fee
- Get your new or fixed device in the mail
You can make up to three claims in 12 months.
What’s Good About It
T-Mobile Insurance is useful for people who:
- Often drop their phones
- Worry about theft or loss
- Need fast service to stay connected
- Like having McAfee and AppleCare
Things You Should Know
It’s not perfect. There are a few downsides:
- Monthly fees add up
- High deductibles for expensive phones
- Limited to three claims per year
Other Choices Instead of T-Mobile Insurance
T-Mobile Insurance is not your only option. Here are some others:
- Use your credit card’s phone protection
- Buy third-party insurance (like AKKO or SquareTrade)
- Set aside money yourself for repairs
- Stick with the factory warranty if it’s still valid
These options can work better depending on how you use your phone.
Should You Buy T-Mobile Insurance?
You should if:
- You rely on your phone for work or daily tasks
- You want fast support if something goes wrong
- You can’t easily afford a new phone if yours is lost
- You want added services like security and AppleCare
You may not need it if:
- You always use strong cases and screen protectors
- You rarely damage your devices
- You keep old phones as backups
Summary
T-Mobile Insurance helps protect your device from problems like damage, loss, or theft. It has costs, but it also gives peace of mind. Think about how you use your phone, and then decide if it’s worth the money.
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FAQ
Can I cancel T-Mobile Insurance any time?
Yes. You can cancel online or call customer service.
What if I get a new phone?
Update your plan to cover the new device.
Is loss covered?
Yes, but only under the Protection<360>™ plan.
Do used phones qualify?
Only if bought directly from T-Mobile.
Are accessories covered?
No, only the main device is protected.
