Device Protection provides analysis against hardware services, accidental damage, loss, and theft. T-Mobile insurance is a kind of relaxation for the users in any kind of device loss. T-Mobile is the brand name used by the mobile communications subsidiaries of the German telecommunications company Deutsche Telekom AG.

T-Mobile Insurance
T-Mobile Brand

How T-Mobile Insurance Works

Device Protection is a plan provided by Assurant and offered by T-Mobile that covers the replacement of the device in the event of hardware services (mechanical breakdown) issues, accidental damage, loss, and theft, even after the manufacturer’s warranty expires.

T-Mobile insurance costs $10 per device per month and protects against malfunction, damage, loss, and theft. The plan includes a $20 to $175 deductible; most high-end phones will end up costing between $150 and $175 to replace.

This plan covers the device, standard charger, standard battery and SIM card (when applicable to the device). The accessories are covered if part of the original device purchased and only in the event of the simultaneous loss or theft of both, the device and the accessory.

Other accessories, routers, and netbooks are not covered. Warranty exchanges are completed by T-Mobile for device manufacturer defects that could occur within the first year of the Manufacturer’s Warranty.

T-Mobile Insurance
T-Mobile Device Protection

Premium Device Protection

T-Mobile has announced that its Premium Device Protection will now include AppleCare at no additional charge for anyone who has an iPhone or iPad. The service is $12/month. With the inclusion of AppleCare, you’ll also now be able to replace a damaged screen for $29 (up to two times, anyway), get free battery service (once), get reduced pricing for other repairs, and get access to Apple’s technical support lines.

The basics of insurance aside, AppleCare alone costs $129 directly from Apple, so getting rolled into T-Mobile’s insurance plan is a great deal on the surface, but that doesn’t mean it’s worth paying for.

AppleCare covers two screen replacements and charges you $29 a piece for them. That’s basically $158 to replace a damaged screen. Without AppleCare, you can expect to pay between $129-$149 to replace your screen.

If you break it a second time and have AppleCare, you pay a total of $216, including the year of coverage and the replacement cost. If you break your screen a second time and don’t have AppleCare, you pay $258-$298, depending on your phone model. Which basically means you have to break your screen twice in two years for it to be worth it.

You’re not required to purchase Device Protection in order to activate service with T-Mobile. But, without protection, you may be responsible for the full replacement cost of your device.

T-Mobile Insurance
Premium Device Protection

You may already have coverage through homeowner’s or renter’s insurance, but Device Protection would cover you before any other insurance. T-Mobile’s employees have not licensed insurance agents and are not qualified or authorized to assess the adequacy of your existing coverages.

Keep in mind, if you have other coverage, the deductible you’d have to pay with another insurer may be higher. T-Mobile receives compensation for services performed in connection with this program.

Any questions regarding coverage provided should be directed to Assurant at 1-866-866-6285.

If you’re prone to losing your phone, then the Premium Device Protection might be worth it on its own, but be warned that it comes with a deductible up to $175, so it’s not like you just get a free phone every time you lose yours. At $12/month over the course of a year, that’s at least $319 toward a new phone if you break or lose it.

AppleCare’s additional Coverage

AppleCare also covers other types of accidental damage, charging you $99 to fix pretty much any other nondescript problems. I can’t think of many problems that fall under this umbrella that aren’t manufacturing defects, which should be covered under the free one year warranty.

Those all come alongside AppleCare’s additional phone and online troubleshooting service. Either way, with AppleCare you get two reduced-cost repairs, whatever those repairs may be.
If you’re already paying for T-Mobile’s Premium Device Protection, then this is a nice little benefit that actually makes the service more worthwhile, but at a glance, it still doesn’t seem worth it to me unless you’re really accident prone with your phone.

T-mobile Insurance benefits come with convenience, peace of mind, warranty, quick reconnection, low replacement costs and AppleCare services.


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