T-Mobile Phone Insurance: What It Covers, What It Doesn’t

Does T-Mobile insurance cover cracked screens, lost phones or water damage? Find out what T-Mobile phone insurance covers (and what it doesn’t) in our overview.

Phone 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

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.

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).

T-Mobile Protection 360 also comes with accelerated JUMP! upgrades (after 12 months or when 50 percent of your phone is paid off), McAfee Security with ID Theft Protection, unlimited screen protector replacements and Tech PHD by Assurant, which offers support for connected devices and handles non-AppleCare insurance claims. 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.

Is the T-Mobile trade in program a good deal? Find out

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.

Trade In Values Compared: How To Sell A Phone For More ›