Metro PCS Insurance: Everything You Need to Know

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If you own a smartphone, you probably understand the importance of having it insured. Smartphones are fragile and expensive, and they tend to break or stop working at the worst possible times. That’s why it’s essential to have insurance coverage that will protect your device and help you replace it if something goes wrong. In this article, we’ll cover everything you need to know about Metro PCS Insurance, including what it covers, how much it costs, and how to file a claim.

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What is Metro PCS Insurance?

Metro PCS Insurance is a program that provides coverage for your smartphone against loss, theft, accidental damage, and mechanical or electrical breakdowns. This insurance program is available to all Metro PCS customers and is offered through Asurion, a third-party insurance provider.

What Does Metro PCS Insurance Cover?

Metro PCS Insurance covers a range of incidents that can happen to your smartphone, including:

Incident
Covered?
Accidental damage (such as drops or spills)
Yes
Theft
Yes
Loss
Yes
Mechanical or electrical breakdowns
Yes
Damage due to fire, flood, or natural disaster
Yes
Intentional damage
No

As you can see, Metro PCS Insurance covers almost everything that can happen to your smartphone. However, it’s important to note that intentional damage is not covered. That means if you purposely break your smartphone, you won’t be able to file a claim and get a replacement.

What is Not Covered by Metro PCS Insurance?

In addition to intentional damage, there are a few other things that are not covered by Metro PCS Insurance:

  • Pre-existing conditions (such as a cracked screen that existed before you purchased the insurance)
  • Accessories (such as cases or chargers)
  • Lost or stolen SIM cards
  • Data loss

It’s important to read the terms and conditions of your Metro PCS Insurance policy carefully to make sure you understand what is and isn’t covered.

How Much Does Metro PCS Insurance Cost?

The cost of Metro PCS Insurance varies depending on the value of your smartphone. Here’s a breakdown of the monthly costs:

Smartphone Value
Monthly Cost
Up to $199.99
$6
$200 – $299.99
$8
$300 – $399.99
$9
$400 – $499.99
$10
$500 – $599.99
$11
$600 – $799.99
$13
$800 – $999.99
$15
$1,000 or more
$17

As you can see, the cost of Metro PCS Insurance is relatively affordable and can provide peace of mind knowing that your smartphone is protected. However, it’s important to note that there is a deductible that you’ll need to pay if you file a claim.

How Do I File a Claim with Metro PCS Insurance?

If something happens to your smartphone and you need to file a claim, here’s what you need to do:

  1. Contact Asurion within 60 days of the incident to file a claim.
  2. Pay the deductible (which ranges from $20 to $250 depending on the value of your smartphone).
  3. Provide proof of purchase and any other documentation that Asurion requests.
  4. Receive a replacement smartphone or have your existing smartphone repaired.

It’s important to note that if you have a Metro PCS phone that’s leased or financed through Smartpay, you’ll need to file a claim with Smartpay and not with Asurion.

Conclusion

Metro PCS Insurance is a great way to protect your smartphone against a range of incidents. Whether you accidentally drop your phone, it gets stolen, or it experiences a mechanical breakdown, Metro PCS Insurance can provide peace of mind knowing that you’ll be able to get a replacement quickly and easily. To enroll in Metro PCS Insurance or file a claim, simply contact Asurion and follow the steps outlined above.

FAQs

Is Metro PCS Insurance worth it?

Yes, Metro PCS Insurance is worth it if you want to protect your smartphone against loss, theft, accidental damage, and mechanical or electrical breakdowns.

How much does Metro PCS Insurance cost?

The cost of Metro PCS Insurance varies depending on the value of your smartphone. The monthly cost ranges from $6 to $17.

What is not covered by Metro PCS Insurance?

Intentional damage, pre-existing conditions, accessories, lost or stolen SIM cards, and data loss are not covered by Metro PCS Insurance.

How do I file a claim with Metro PCS Insurance?

To file a claim with Metro PCS Insurance, contact Asurion within 60 days of the incident, pay the deductible, provide proof of purchase and any other documentation requested, and receive a replacement smartphone or have your existing smartphone repaired.

Is there a deductible for Metro PCS Insurance?

Yes, there is a deductible that ranges from $20 to $250 depending on the value of your smartphone.

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