T-Mobile Insurance Claim

File insurance claim to replace your T-Mobile phone. Learn how to file and track your T-Mobile insurance claim to replace your lost, stolen, or damaged phone, tablet, or other device

T-Mobile Phone Insurance Claim

This article covers detailed information on T-Mobile Insurance claim and how to File insurance claim to  replace your lost, stolen, or damaged phones. Also detail information on other mobile insurance provides to help you insure you cell phone.

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Before T-Mobile Claim

Check that you have insurance.

Filing an insurance claim for device replacement, your device must be enrolled in t-mobile Insurance, Mobile Protection Pack, or Multi-Device Protection Pack. Using your tablet or PC
File insurance claim to replace mobile device

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Questions on Premium Handset Protection

How do I file T-Mobile claim?

Customers enrolled after 7/14/2013 may file a claim online or call 1-866-866-6285. Customers enrolled before 7/14/2013 may file a claim online or call 1-866-268-7221.

 T-Mobile Insurance Claim Requirements

These cover the basic requirements needed to make a successful claim:

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  •      Make/model of the damaged, lost or stolen equipment
  •      Date the device was lost, stolen or damaged
  •      Credit card number or bank account number paying for the deductible
  •      Shipping address for replacement

I already purchased my phone from T-Mobile. Can I still get insurance?

If you purchased your phone or device within the past 14 days, call T-Mobile Customer Care at 1-800-937-8997 to see if you’re eligible to add PHP.

Mobile Phone Insurance

What is mobile phone insurance?

Mobile Phone Insurance protects your mobile phone or smartphone from damage, theft and loss, but think about all the protection choices and watch out for exclusions and excessive premiums.

You May Read: T-Mobile insurance  

mobile phone insurance is meant to assist you when you are affected by a phone crisis, be that loss, theft, crack or damages

Just like different kind of insurance, it will cost you. Many consumers precede the additional monthly payments that insurance can increase their bills, and hope that they don't become one in all the thirty five percent World Health Organization break or damage their devices at intervals the first year.

Mobile phone insurance is simply one among those things...
Like washing your automobile, doing the washing up or taking an umbrella with you...
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The cool issue these days is that as a result of the mobile phone insurance market has become quite competitive - for you and me which means one excellent thing - falling costs.

What are Mobile Insurance Coverages (usually):
  • Mobile Phone Insurance Cover you on accidental damage including drops, cracks, liquid spills, liquid submersion, any damage caused by accident.
  • Also for Mechanical and electronic failures, if your manufacturer’s warranty has expired and the failure would have been covered under this warranty.
  • Loss or theft of your phone.
The better mobile phone insurance policies out there'll cover you for phone loss, theft and harm. Make sure it includes water harm - some specifically do *not* cover water harm - for the straightforward reason that water harm could be a huge killer of phones. So you want to make certain you've got water harm cowl.

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International cover is additionally terribly handy for once you area unit abroad on work or vacation.

Fraudulent calls area unit not as vital as you may assume however it's only one of these 'peace of mind' things. If you don't have it, it will in all probability niggle within the back of you mind. If that's the case then confirm you're coated for deceitful decision use (ie if the felon uses your phone and racks up an enormous bill)

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A Guide to Mobile Phone Insurance

This article, 'A guide to Mobile phone insurance' will assist you in making a wise decision while embarking on any form of mobile phone insurance.
Mobile phone can be an expensive investment. And taking into account the value cell phone, the frequency with which you'll use your phone and how relatively fragile it is compared with the old-school brick phones that preceded smartphone technology, cell phone is something that can be easily damaged, lost or stolen - and all of these events can prove as costly as they are stressful.

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T-Mobile insurance  

 Asurion Phone Insurance

Nevertheless, depending on how you buy your mobile phone and if you go through one of the major providers, there are options for protecting your device (and your wallet) against any of the above unfortunate events. Phone manufacturing company provide a complimentary warranty (and additional extended warranties are available to purchase), and all of the big carriers offer phone insurance, either as an add-on to your monthly plan cost when you sign up or to be bought separately if you decide you'll need it down the track.

What is insurance

Insurance is a form of risk management in which the insured transfers the cost of potential loss to another entity in exchange for monetary compensation known as the premium.
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Therefore the purpose of buying insurance is to protect you mobile phone against the things that a manufacturer’s warranty does not. While warranty will cover you for mechanical breakdowns and faults, it’s of no help if – like so many of us – you accidentally damage your device. Likewise, if you suffer the misfortune of losing your phone or, worse still, having it stolen, you’ll be on your own. Insurance is always an optional additional purchase, but it exists to give you peace of mind against these not necessarily likely, but definitely possible, mishaps.

What Mobile phone insurance covers (usually):

  •     Accidental damage including  spills, liquid submersion, drops, cracks, liquid, any damage caused by accident.
  •     Mechanical and electronic failures, if your manufacturer’s warranty has expired and the failure would have been covered under this warranty.
  •     Loss or theft of your mobile phone.

You have two options if you decide cell phone insurance is worth the investment – either taking out a policy through your cell phone carrier when you buy a phone (which usually needs to be done within 30 days of purchase), or through an independent company unrelated to your cell network.
Mobile phone insurance companies
All of the big carriers – Sprint, AT&T, Verizon Wireless, and T-Mobile – offer what’s basically the same insurance under different names, through insurance company Asurion. Asurion insure approximately 20% of cell phone users through the policies they administer for carriers.

T-Mobile Premium Handset Protection

These are the charges for purchasing T-Mobile Phone insurance
  •     $10 per month.
  •     A non-refundable deductible will be charged per claim, of up to $175 for high-end smartphones.
  •     Covers in the event of loss, theft and accidental damage as well as mechanical breakdown.
  •     Maximum of 2 claims within a 12 month period, with a maximum of $1500 per claim.
  •     Coverage must be taken out within 14 days of purchase.
NOTE: If you purchase your device through T-Mobile's JUMP! early upgrade plan, Premium Handset Protection and Lookout Mobile Security Premium are included as part of the $10 monthly JUMP! fee.

Verizon Wireless Total Equipment Coverage

These are the charges for purchasing AT&T Phone insurance
  • $7 per month for tablets, $9 per month for cell phones.
  • Provides comprehensive coverage for loss, theft, damage (including liquid damage) and mechanical or electrical defaults after the manufacturer’s warranty expires.
  • Two replacement phones allowed per 12 month period, with an equipment maximum of $1500 per claim.
  • Non-refundable deductible is up to $199 per approved claim for phones 

Sprint Total Equipment Protection

These are the charges for purchasing Sprint Phone insurance
  •   $9 per month or $11 per month for high-end devices.
  •   Provides coverage for loss, theft or damage (including liquid damage).
  •   Deductible of up to $200 depending on the device will be charged per claim.
  •   A maximum of three replacements or repairs within any 12 month period, with a limit of $1500 per claim.

AT&T Mobile Insurance

These are the charges for purchasing AT&T Phone insurance
  •     $6.99 per month.
  •     Provides coverage for theft, loss, accidental damage and out-of-warranty malfunction.
  •     Policy covers the phone itself, standard battery, standard battery charger and SIM card.
  •     A non-refundable deductible of up to $199 applies, depending on the device.
  •     Two claims allowed within any 12 month period, with a maximum device value of $1500 per claim.

Insuring your mobile phone through third-party providers is almost the same, althoug there are often key differences. The good thing about insuring with outside companies is that you can sign up at any time after purchasing your device, so long as it is 100% functional with no prior damage or defects. Many of them also offer a cash reimbursement option for your damaged phone instead of either replacement or repair.

Strangely enough, you may also find that policies offered by other companies instead cover incidental issues that Asurion does not, such as display failures, issues with your antenna or wireless connection, or touchscreen failures.

As with manufacturer’s warranties, personalized data – such as contacts, music, video, and customized software – isn’t covered.

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  Sprint Insurance 

 Asurion Phone Insurance

Things to keep in mind:
Most carrier insurers will either repair or replace. You will not get a new phone, rather a ‘refurbished’ one
You will not be covered for pre-existing problems, issues relating solely to software or data, rooting, intentional damage, unauthorized repair

Before buying individual cell phone insurance, check that you don’t already have existing coverage elsewhere. Renters or homeowners insurance may cover your phone already without you needing any additional protection.

Mobile Phone Insurance benefits

What is Mobile Phone Insurance?

Mobile Phone Insurance is a coverage that offers protection to your mobile phone or smartphone from damage, theft and loss, but think about all the protection choices and watch out for exclusions and excessive premiums.

 You may like: T-Mobile insurance claim

You need mobile phone insurance to assist you when you are affected by a phone crisis, be that loss, theft, crack or damages

Mobile Phone Insurance benefits

Here are some key benefits of mobile phone insurance:

  • Accidental damage. Your phone is covered in the event of any accidental damage.
  • You are covered against theft. If it is stolen, it will be replaced.
  • If your mobile phone breaks down, all repair costs will be covered.
  • Unauthorised calls cover.
  • Upto £100 towards the cost if your phone is stolen.
  • Mobile Phone Insurance available for both contract and pay as you go phones.
  • Your phone will be replaced within 48 hours of a successful claim.
  • Worldwide Cover. some mobile phone insurance provider offers worldwide coverage
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Enroll in Premium Handset Protection (PHP)

Enroll in Premium Handset Protection (PHP)

Premium Handset Protection (PHP)

Premium Handset Protection® (PHP) provides protection against device malfunction due to a mechanical breakdown, accidental damage, loss, and theft. If you already have PHP, and need to file a claim, find out how.

Premium Handset Protection is a service provided by Assurant Solutions and offered by T-Mobile that provides device replacement coverage for accidental damage; malfunction due to a mechanical breakdown; loss; and theft, even after the manufacturer's warranty expires.

Enroll in Premium Handset Protection (PHP)

T-Mobile offers this benefit to help you protect your phone. You're not required to purchase PHP in order to activate service with T-Mobile. But, without protection, you may be responsible for the full replacement cost of your phone. You can enroll in Premium Handset Protection® (PHP) within 14 days of a qualified T-Mobile phone purchase.

You can enroll in Premium Handset Protection through several ways:

Visit a T-Mobile store
Go to My T-Mobile
Give us a call

You may already have coverage through homeowner’s insurance or other means (T-Mobile is not qualified to evaluate your existing insurance coverage). Keep in mind, if you have other coverage, the deductible you'd have to pay with another insurer may be higher. Any questions regarding the coverage provided should be directed to Assurant Solutions at 1-866-866-6285.

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T-Mobile Insurance Coverage

This is a summary of the Coverages and Exclusions that apply to T-mobile Premium Handset Protection.

T-Mobile Insurance Coverage Summary: 

T-Mobile insurance, Premium Handset Protection, provides device replacement coverage for accidental damage; malfunction due to a mechanical breakdown, loss and theft. Coverage includes replacement of the device, SIM, battery and charger.

You May Read: Asurion Phone Insurance                             T-mobile insurance claim

As we all know T-Mobile’s employees are not fully-licensed insurance agents. Premium Handset Protection could duplicate other insurance coverages, such as homeowner’s or renter’s insurance, that you may have. The Program’s insurance coverage would be primary to any such other coverage. T-Mobile and its employees are not qualified or licensed to guage the adequacy of the purchaser’s existing insurance coverages. Subscribers can check with their commissioned agents for a private insurance assessment.

T-Mobile Insurance

T-Mobile receives compensation for the amount you pay every month.
You are eligible for a most of two approved claims before twelve (12) month of accident, loss or theft. A per occurrence limit of $1,500 applies to every lined loss. There is no limit for approved  phone insurance claim for mechanical and electrical breakdown.

 T-Mobile Insurance Claim

How to file a claim for T-Mobile Insurance Coverage

For your phone insurance claim, simply visit, 24 hours a day, 7 days a week. You may call T-Mobile Insurance customer number 1-866-866-6285 and a customer Service Representative can work with you to method your claim.
Phone insurance claim must be filed by you before ninety days of the incident, unless otherwise required by state law. Following information should be handed: Device’s mobile range, manufacturer, make and model;  Electronic Serial range or IMEI; credit card/debit card/eCheck for deductible payment.

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T-Mobile Phone Replacement

Replacement devices may be a reconditioned one of like sort and quality. If a reconditioned device is not obtainable, replacement will be a brand new device of like sort and quality. Replacement device comes with a 6-month warranty.

A non-refundable deductible of $20, $50, $100, $150 or $175, depending on your device, apply to each approved accidental harm, loss and theft claim. Deductible may be collected from you by debit card, credit card or eCheck. A $5 processing fee can apply for every approved mechanical or electrical breakdown claims. Premium Handset Protection covers the device and sure accessories, when needed. Accessories covered as half of a loss include customary chargers, batteries, and SIM cards.

Please remember that broken or bad devices should be came before 10 days of receiving your replacement device. If the device is not returned, you will be charged an unrecovered equipment fee to not exceed $900.

Causes of Loss Not Covered: Losses caused or resulting from the following don't seem to be covered: corrosion or rust; pre-existing conditions; failure to follow manufacturer’s maintenance recommendations; intentional or dishonest acts; repair or service; power fluctuations; delay or loss of market, loss of income or interruption of business; and inherent style defects. Additional Cause of Loss Not covered for Pay-in-Advance customers: prices redeemable underneath any product warrant. Refer to coverage documents for an entire list of exclusions.

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T-Mobile Coverage terms

Term: Coverage starts at 12:01 a.m. on the date of your enrollment. You must enter within the set up among fourteen days of buying your new eligible T-Mobile device.

T-Mobile customer service phone number

Cancellation: You can cancel your ex gratia coverage at any time using T-Mobile customer service phone number 1-877-778-2106 or visiting The person paying the premium will receive a prorated honorary premium refund or credit, if any, within fifteen days. This is a monthly renewable plan and should be paid on a monthly basis. If you don’t pay the monthly charge, the plan can terminate.

Provider Information:  For CA customers, the California Department of Insurance client hotline is 1-800-927-4357. For MD customers, the Maryland Department of Insurance consumer hotline is 1-800-492-6116. The Signal NY License is PC-780151. In UT, coverage for this plan is provided underneath kind range AB3460PPC-0812.

Administrator Information: Premium Handset Protection is administered by The Signal, LP in all states, except WI, where the administrator is Federal warrant Service Corporation.

Premium Handset Protection could not be obtainable for devices with EIP in some locations.

Mobile Phone Insurance

If your mobile phone is damaged, lost or stolen, the right insurance policy could help you cover the cost of repairing or replacing your handset.
So When you buy your handset, the sales person or your mobile phone provider may try to add insurance to your policy for a set monthly amount. ... On some policies you may be paying to cover a phone in the event that it breaks
Check out our Post to find out the right Mobile Phone Insurance policy to protect your mobile;

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