However, note that screen damage is not covered under your device warranty, so they will not replace your phone if it has a broken or cracked screen. Fortunately, you don’t have to be stuck with a broken device; you can register under any of T-Mobile’s insurance plans and have your device repaired or damaged.

T-Mobile offers three tiers of insurance, and each one provides different levels of coverage. We highlighted the features of each one below:

This plan is one of T-Mobile’s comprehensive plans, with premiums starting at $6 and going as high as $14 per month. 

Coverage under this plan includes malfunctions, accidental damage, loss, and even theft of your device and some accessories like your charge and battery. Other accessories are only replaced if they are stolen or lost along with the device.

Some damages are not covered under this plan; these include damages caused by fire, misuse, unauthorized repairs, Acts of God, and any other damage caused intentionally or for cosmetic reasons. 

T-Mobile plans come with a deductible, and they are categorized into malfunctions, accidental damage, loss, and theft. There are also limitations on claim limits on this plan and others. 

Under the basic device protection tier, you are entitled to 2 claims within 12 months.

This T-Mobile plan is fixed at a premium of $8 per month and prepaid only. The coverage under this plan is similar to that of the basic device protection plan. You will be covered against malfunctions, accidental damage, loss, or theft of devices and accessories such as chargers and batteries. 

Other accessories are only covered if lost or stolen with the phone. This plan does not cover damage caused by rust, corrosion, failure to adhere to maintenance guidelines, unauthorized repairs, and power fluctuations. You are limited to two claims within a month under this plan.

This is T-Mobile’s most comprehensive plan, and its insurance premiums are slated at $7 – $15. Damages covered under this plan are the same as the other two plans earlier discussed. However, unlike the basic device protection and premium device protection plan, protection 360 offers three mot two claims per year.

One feature of protection 360 that makes it stand out from the other two is that it allows you to enjoy additional services. Additional services under this plan include JUMP! Upgrades for Apple devices and McAfee Security for T-Mobile with ID theft protection.

It also has perks such as unlimited screen protector replacements, in-store replacements, and replacements via mail.

Before T-Mobile accepts your device, it has to pass its condition check. Remember that screen damage in any form voids your warranty, and T-Mobile will not accept your device. However, you can process a claim for its repair or replacement if you have insurance. 

When inspecting your screen for damages, take off your screen protector and phone case. Then, tilt the phone at different angles under good lighting to allow you to detect cracks that are not easily detectable. Note that scratches and scuff caused by normal wear and tear are acceptable.

Screen damage includes: 

1. Cracked screens 

2. Chipped glass or edges 

3. Crushed or shattered screen 

4. Pitch black screen, no pixel, and distortion

5. Repairs from unauthorized 3rd parties 

We’ve compiled a list of frequently asked questions and answers. These FAQs will help you understand everything you need to know about T-Mobile insurance on the cracked phone screen. Let’s check it out!

Yes, it is. If you are registered under any of T-Mobile’s insurance plans, it will cover screen damage, including cracked screens. Note that screen damage is not acceptable for replacement under warranty.

Repairing a cracked screen at T-Mobile costs around $29. However, you can pay a slightly higher or lower fee as some factors determine the cost.

T-Mobile’s 360 protection plan covers the repair and replacement of devices. In addition, their most comprehensive plan features several additional benefits, such as unlimited screen protector replacements.

Once your claim has been approved, your replacement will be shipped overnight at no additional cost to you. You should receive your replacement within two business days. 

For customers who provided their email addresses during their claim process, T-Mobile will provide you with tracking details concerning your device.

Accidents happen. Fortunately, we don’t have to be burdened with the consequences of these accidents. With the help of T-Mobile insurance, you can move on from the effect of these accidents by having your devices replaced or repaired at an affordable rate. 

Sources 

T-Mobile Phone Insurance: What it Covers and What it Doesn’t

Protection 360 and Device Protection

The post Does T-Mobile Insurance Cover Cracked Screen? appeared first on Insurance BlogX.

These phones cost hundreds of dollars, and some even run into thousands of dollars. Having to cough out money to pay for another one or repair is a stressful experience; phone insurance can make this easier. 

After purchasing a device from AT&T, one of the store attendants may have asked you to purchase a phone insurance policy as well. The insurance plans at AT&T protect you from loss, damage, theft, and out-of-warranty malfunctions. 

You can file a claim if you experience any of these perils and need your phone repaired or replaced. You may be required to pay a deductible before your claim is processed; this amount is usually calculated based on your device and what tier it falls in.

The most comprehensive plan is the Protect Advantage plan, and you can register up to four devices on this plan. These devices are not limited to phones; you can also register tablets, smartwatches, and laptops. 

Although it is an inexpensive alternative to the Protect Advantage plans, it is not as comprehensive; however, it provides the basic coverage you will need for your device. You can only register one device and your claim limit per year is two times.

Your replacement claims can be processed as soon as the next day for claims relating to theft, loss, and damage. Finally, the plan covers any faults you may experience after your warranty is expired. 

With this plan, you can only register one device and have a claim limit of 3 times per year for loss, theft, and damage. There are also an additional two claims for accidental damage from handling. You can file a claim the same day your insurance is approved; this applies to theft, loss, and physical damage claims. 

The plan also covers technical and manufacturing faults in your device, even if your warranty is expired. Finally, the plan features regular device checkups to improve battery performance, network speed, etc. 

This plan is different from the one device plan because it encompasses all the features discussed above. However, it also has some additional perks. You can register more devices on this plan for starters, and they don’t have to be registered on your wireless plan for coverage.

You also have a higher claim limit of 8 times for loss, theft, and damage within a year and six times for accidental damage from handling.

Any customer registered under AT&T’s postpaid wireless plan is eligible for their insurance plan as long as they register within 30 days of activating or upgrading their device. 

This means that if you don’t purchase the insurance immediately after you buy your phone, you have a 30-day window to do so through the app in the “add-ons” section.

From time to time, there is an open enrollment period for people who missed this 30-day window to register for insurance. 

Also, note that you don’t have to buy your phone from AT&T to enroll in their phone insurance. If your phone is in good working condition, you can purchase phone insurance from AT&T; the main determinant is to do within 30 days from activating your wireless plan. 

The cost of insurance varies depending on what insurance plan you purchased. For example, the Protect Advantage for 1 Plan charges $15/$17 per month, depending on the model of your phone. 

However, the same plan for four devices charges $45 per month. The more affordable option is the Mobile Insurance plan which charges about $9 per device monthly regardless of how many devices you register.

Filing a claim with AT&T is a stress-free process because it can be done remotely. In addition, Asurion handles all AT&T’s claim issues, so your filing process begins with them. 

Via Asurion’s website, provide the wireless number for your affected device to get the process started. Other details they may ask for are your deductible amount and your repair eligibility. 

If you’re not up for filing a claim online, you can also do so by calling a customer care agent on 888.562. 8662, and they will guide you through the process.

Some people don’t know if phone insurance is a necessary expenditure; we’d say that it depends on many factors. If you are using an expensive phone and replacing or repairing it suddenly could dent your finances, then phone insurance is not a bad idea.

However, if you’re the type of person who has used a phone for years without any major mishaps happening to it, then you’re better off without phone insurance. 

Our advice is to analyze your lifestyle habits and how you got by with your previous phones to decide whether you need them or not. 

To file a claim at AT&T, you can either visit Asurion’s website and file a claim to do so or call their careline on 888.562.8622 to have an agent guide you.

In our opinion, phone insurance is a necessity, especially for anyone using an expensive device. Damages to phones can be annoying, especially when unplanned for. Worse is when your phone is stolen or lost not long after getting it. 

AT&T is one of the many outlets that provide phone insurance, and they do so for a fairly moderate price. In addition, their most comprehensive plan covers everything from theft to accidental damage. 

Even if you are not keen on getting insurance from AT&T, it isn’t a bad idea to shop around from other providers and keep your phone protected at all times. 

Sources

AT&T Device Protection – Everything You Need to Know

AT&T Phone Insurance – Everything You Need to Know

Phone Insurance – AT&T Device Protection

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