T-Mobile Protection 360 is a comprehensive device protection program that combines an insurance plan and a service contract plan into one monthly subscription. It covers repair or replacement for loss, theft, accidental damage, and mechanical and electrical failure, even after the manufacturer's warranty expires, and includes extras like AppleCare Services for eligible Apple devices, McAfee security, and JUMP! upgrades.
What is T-Mobile Protection 360?
T-Mobile Protection 360 is a bundled device protection plan offered by T-Mobile that merges an insurance policy with a service contract. Its core protections cover loss, theft, accidental damage (including cracked screens and liquid damage), and mechanical or electrical failure beyond the manufacturer's warranty. Key extras include AppleCare Services for eligible Apple devices for the first 24 months, McAfee Security for T-Mobile with ID Theft Protection for up to 10 devices, and the ability to upgrade your device early through JUMP! upgrades.
Key benefits of T-Mobile Protection 360
- Unlimited claims for accidental damage and mechanical/electrical failure
- Unlimited $0 front screen repairs and $29 back glass repairs on eligible smartphones
- Up to five device replacements for loss or theft in any rolling 12-month period
- JUMP! upgrades, allowing you to upgrade your qualifying device once 50% of its cost is paid off on an Equipment Installment Plan (EIP)
- AppleCare Services for eligible Apple devices for the first 24 months, providing genuine repairs and expert support directly from Apple
- McAfee Security for T-Mobile with ID Theft Protection, offering antivirus, safe browsing, identity theft, and lost wallet protection for up to 10 devices
- Unlimited screen protector replacements for eligible protectors bought at T-Mobile
What does T-Mobile Protection 360 cover?
Protection 360 covers four main categories of device issues. Accidental damage includes cracked screens, liquid damage, and other unforeseen physical mishaps. Hardware malfunctions cover internal component failures such as battery, camera, or charging port issues after the manufacturer's warranty expires. Loss coverage provides a replacement if your device goes missing, and theft coverage provides a replacement if your device is stolen. A $5 processing fee applies for mechanical and electrical failure exchanges through T-Mobile.
Limitations and exclusions
Intentional damage, cosmetic damage that does not affect the device's functionality, and pre-existing conditions are typically not covered. The plan generally does not extend to accessories or non-essential components of the device. In New York, the insurance plan (covering accidental damage, loss, and theft) and the service contract plan (covering mechanical/electrical failure, JUMP! upgrades, screen protector replacements, tech support, and mobile security apps) can be purchased separately.
How to file a claim for a damaged, lost, or stolen device
- File your claim online at mytmoclaim.com, through the Protection 360 app by Assurant, or by calling Assurant at 1-866-866-6285.
- Provide essential details about the incident, including how the damage occurred, the date, and any supporting evidence such as photos.
- For lost or stolen devices, report the incident to the appropriate authorities and obtain a police report, which may be required to process the claim.
- Once the claim is reviewed and approved, you will receive a replacement device.
Tech support included with Protection 360
Protection 360 includes four types of tech support: device setup and configuration, software and app support, network and connectivity troubleshooting, and security and privacy guidance. You can access tech support through multiple channels: by phone through T-Mobile's support hotline, through online resources including FAQs and troubleshooting guides, through in-person support at T-Mobile retail stores, and through 24/7 live support via the Protection 360 app by Assurant.
T-Mobile Protection 360 pricing and deductibles
The monthly cost for Protection 360 ranges from $7 to $26 per device, depending on the device type or tier. Deductibles apply for approved claims and vary based on the device tier and the type of claim, such as screen repair, accidental damage, or loss/theft. For a full breakdown of how your monthly charges appear on your statement, review T-Mobile purchases and billing (T-Mobile Billing, Insurance and Purchases Explained) for clarity on device protection costs.
How to enroll in T-Mobile Protection 360
You can enroll at the time of device purchase or within 30 days of buying or upgrading a device. If you add the plan after purchase, the device must pass a visual mechanical inspection in a T-Mobile store. Enrollment channels include the T-Mobile app, the T-Mobile website, visiting a T-Mobile retail store, or contacting T-Mobile customer service.
Frequently Asked Questions
Is there a limit on claims?
There is no limit on claims for accidental damage or mechanical/electrical failure. For loss or theft, you are limited to five device replacements in any rolling 12-month period.
What is the deductible for a cracked screen?
Deductibles for other types of screen damage vary by device tier.
Does it cover water damage?
Yes, water damage is covered as part of accidental damage protection under the plan.
Can I cancel anytime?
Yes, you can cancel Protection 360 at any time. If you cancel, the coverage ends immediately, and no refund is provided for the current billing cycle.
How does JUMP! work with Protection 360?
Protection 360 includes this upgrade benefit as part of the plan.
Does T-Mobile offer protection for home devices?
T-Mobile also offers Protection 360 HomeTech, a separate plan that covers an unlimited number of eligible Wi-Fi-enabled home devices (excluding smartphones and major appliances) for a monthly fee.
