Even if you’ve never damaged or lost your cell phone, you’ve definitely had a close call at some point. Smartphones are becoming more of a necessity and their prices are higher than ever before. Not to mention the cost associated with repairing or replacing a lost phone. You will pay more each month with mobile insurance, but it might be worth the hassle and high cost of buying a new one. If you’ve recently purchased or own a phone from AT&T, read on to find out if AT&T mobile insurance is worth it for you.
What Does AT&T Mobile Insurance Cover?
AT&T phones come with a limited warranty. AT&T mobile insurance provides extra protection and security for your phone long after the warranty expired. It also covers events that a warranty doesn’t.
AT&T mobile insurance covers:
- Loss and theft
- Cracked or damaged phone screen
- Out-of-warranty malfunctions
- Loss and theft
- Standard battery repair/replacement
- Standard battery charger repair/replacement
- Sim cards
AT&T mobile insurance doesn’t cover:
- Dishonest, intentional, or fraudulent acts
- Unauthorized replacement or repair
- Cosmetic damage
- Nonstandard media
- Nonstandard software
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AT&T Mobile Insurance Plans
| AT&T Mobile Insurance |
| $8.99 per month per line covered1 device covered 2 claims per consecutive 12-month period$2,500 maximum claim value$49 deductible screen repairProTech Advantage plan can be purchased separately for $14.03 per month for New York customers and $9 a month for users in other states |
| AT&T Protect Advantage for 1 |
| $15 per month per line covered1 device covered3 claims per consecutive 12-month period$2,500 maximum claim value$29 deductible screen repair0 deductible battery replacementCan access protect app support via text or chat Streaming support |
| AT&T Protect Advantage for 4 |
| $40 per month per line covered4 devices covered8 claims per consecutive 12-month period$2,400 maximum claim value$29 deductible screen repair0 deductible battery replacement Access to protect app support via text or chatStreaming support |
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How does AT&T Mobile Insurance Work?
Enroll at https://www.att.com/offers/device-protection/. If you’re an AT&T postpaid wireless plan customer, you can enroll in one of their insurance plans within 30 days after you activated or upgraded your device.
If your phone is lost or damaged, you can only file a claim within 60 days. To file a claim, visit https://www.phoneclaim.com/att/. You’ll have to provide the wireless number of the device, then check your estimated deductible and repair eligibility. You can also file a claim by calling 888-562-8662.
Steps to take when filing a claim:
- Try to find your device first by using GPS or third-party locator apps. You can also sign in to your AT&T account or call tech support to locate your device.
- Suspend and block your device’s service so no one can get access to it.
- File your claim. You will need the device brand and model and wireless security code or the last 4 digits of your Social Security or tax ID number.
You may receive a replacement phone on the same day that you file your claim or soon after depending on your insurance plan. Expect to receive your replacement phone in 2 to 3 days if you file your claim on the weekend.
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Pros and Cons of AT&T Mobile Insurance
| Pros | Cons |
| Same-day/next-day device replacement and setup | AT&T mobile insurance plan is more expensive than other insurance options |
| Coverage for one or four devices | Poor customer service |
| Up to 8 claims annually | Different levels of coverage across policies |
| Device tune-ups | Confusing terms and conditions |
| Streaming support | Tiered deductibles |
| Unlimited photo and video storage | Insurance provided by Asurion, not AT&T |
| Unlimited battery replacement | – |
| Includes accidental damage coverage | – |
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So, Is AT&T Mobile Insurance Really Worth it?
You should consider your device and habits before signing up for AT&T mobile insurance. If you own an expensive phone, mobile insurance could give you that extra peace of mind. However, if you take good care of your phone or buy new devices frequently, it’s probably not worth it. AT&T mobile insurance comes at different price points, so you could always opt for a more affordable option.
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How Can You Cancel Your AT&T Mobile Insurance?
AT&T mobile insurance is more expensive than a lot of other providers. You may also find yourself unable to pay the insurance, or dissatisfied with the policy overall. Here are some steps you can take to cancel your existing insurance plan:
- Canceling through the website
- Log in to your account on the AT&T website and go to My Wireless Page
- Select My Devices & Features
- Click on Manage Device & Features
- Expand AT&T Mobile Protection Plan
- Click Remove
- Click Continue to confirm the cancellation
- Canceling through the phone
- Call customer support at 1-800-331-0500 or dial 611
- Say “cancel my mobile insurance plan” when prompted
- Confirm your cancellation once you go through the needed process to cancel your plan
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AT&T Mobile Insurance Alternatives
If you think AT&T mobile insurance isn’t the right option for you, but you still want coverage for your smartphone, we’ve compiled a list of other top mobile insurance providers available on the market right now.
1. Samsung Care+ – Best for Samsung Phones
- Drops, liquid damage, and cracked screens are covered
- Serviced with original Samsung parts
- Includes an extended warranty
- $29 cracked screen deductible
- Free phone replacement during repair
- No theft protection
2. AppleCare+ – Best for iPhones
- Price depends on the iPhone you have
- Monthly or one-time fee options
- Plans start at $4/month
- $29 screen repairs
- Options theft/loss coverage
- Same-day service at Apple stores
- Maximum 2 incidents per year
3. Google Preferred Care – Best for Pixes Phones
- One-time fee per device
- Protection for drops, liquid spills, and more
- Extended warranty
- Replacement devices available
- Same-day walk-in locations
- Limit of 2 incidents per coverage term
4. AKKO – Best for those on a low budget
- Low monthly premiums starting at $5/month
- Coverage can include other electronic devices
- Multi-policy discounts
- Student discounts
- No lost/stolen phone coverage
- AKKO determines replacement value