Verizon is one of the largest telecommunication companies in the world, providing a wide range of services to millions of customers. One of the services it offers is device insurance, which can come in handy when your phone or tablet gets damaged, lost, or stolen. If you’re a Verizon customer with an insurance plan, you may have some questions about how to file a claim, what’s covered, and what to expect. This article will provide you with a comprehensive guide to Verizon insurance claims, including frequently asked questions and helpful tips.
Table of Contents
- What is Verizon device insurance?
- How do I know if I’m eligible for Verizon device insurance?
- What types of damage are covered by Verizon device insurance?
- What types of damage are not covered by Verizon device insurance?
- How much does Verizon device insurance cost?
- How do I file a Verizon device insurance claim?
- What should I do if my device is lost or stolen?
- How long does it take to process a Verizon device insurance claim?
- What happens after my Verizon device insurance claim is approved?
- How can I prevent device damage and loss?
What is Verizon device insurance?
Verizon device insurance is a service that protects your phone, tablet, or other eligible device against accidental damage, loss, and theft. With device insurance, you can have peace of mind knowing that if something happens to your device, you can get it repaired or replaced without paying the full retail cost out-of-pocket. Verizon offers two types of device insurance:
Insurance Plan |
Monthly Cost |
Deductible |
|---|---|---|
Total Mobile Protection |
$15 |
$29 – $249 |
Wireless Phone Protection |
$7 |
$89 – $199 |
What does Total Mobile Protection cover?
Total Mobile Protection is Verizon’s most comprehensive device insurance plan, which covers:
- Accidental damage (e.g., drops, spills, cracks, and liquid damage)
- Loss and theft
- Post-warranty defects (if your device is less than two years old)
- Malfunctions due to normal wear and tear
- Unlimited cracked screen repair (with a $29 deductible)
- Unlimited claims (up to three lost or stolen claims per year)
- Same-day device replacement in some cases
- Tech Coach support for device setup, troubleshooting, and optimization
- Identity theft monitoring and alerts
What does Wireless Phone Protection cover?
Wireless Phone Protection is Verizon’s basic device insurance plan, which covers:
- Accidental damage (e.g., drops, spills, cracks, and liquid damage)
- Loss and theft
- Post-warranty defects (if your device is less than two years old)
- Malfunctions due to normal wear and tear
- $29 cracked screen repair (with a $89 – $199 deductible)
- Two claims per year (one lost or stolen claim)
How do I know if I’m eligible for Verizon device insurance?
To be eligible for Verizon device insurance, you must:
- Be a Verizon customer with a postpaid plan
- Have an eligible device (e.g., smartphone, tablet, watch, or Jetpack)
- Enroll in device insurance within 30 days of activating or upgrading your device
- Pass a device eligibility and deductible assessment (if you’re enrolling in Total Mobile Protection)
Some devices may not be eligible for insurance due to their age, condition, or model. You can check your device’s eligibility and insurance options by visiting your Verizon account online or calling Verizon customer service.
What types of damage are covered by Verizon device insurance?
Verizon device insurance covers a wide range of accidental damage to your device, including:
- Cracks, chips, and scratches on the screen or body
- Water damage from spills, splashes, or submersion
- Damage from drops or impacts
- Damage from fire, smoke, or explosions
- Damage from extreme weather or natural disasters
- Damage from electrical surges or power outages
Depending on your insurance plan, there may be some limitations or exclusions to what’s covered. For example, loss and theft are only covered by Total Mobile Protection, not Wireless Phone Protection. Also, intentional damage, fraudulent claims, and pre-existing conditions are not covered.
What types of damage are not covered by Verizon device insurance?
Verizon device insurance does not cover certain types of damage or loss, such as:
- Intentional damage, abuse, or neglect
- Loss or theft of unattended devices
- Damage or loss due to unauthorized modifications or repairs
- Damage or loss due to illegal activity or war
- Damage or loss of accessories, consumables, or data
Also, if you file a claim that’s found to be fraudulent or exaggerated, or if you breach the terms and conditions of your insurance plan, your claim may be denied or canceled.
How much does Verizon device insurance cost?
The cost of Verizon device insurance varies depending on your plan, device, and deductible level. Here’s a breakdown of the monthly cost and deductible for each plan:
Insurance Plan |
Monthly Cost |
Deductible |
|---|---|---|
Total Mobile Protection |
$15 |
$29 – $249 |
Wireless Phone Protection |
$7 |
$89 – $199 |
As you can see, Total Mobile Protection costs more than Wireless Phone Protection, but it also covers more and has lower deductibles in some cases. You can choose your deductible level based on your device’s value and your budget. Generally, the higher the deductible, the lower the monthly cost, and vice versa.
How do I file a Verizon device insurance claim?
If your device is damaged, lost, or stolen, you can file a Verizon device insurance claim online, through the My Verizon app, or by calling Asurion, Verizon’s insurance partner, at 888-881-2622. Here’s what you need to do:
- Report the incident to Verizon within 60 days of discovery (or as soon as reasonably possible if your device is lost or stolen)
- Provide your device’s make, model, and serial number
- Explain what happened and what kind of damage or loss occurred
- Pay your deductible (if applicable)
- Follow the instructions on how to return your damaged or lost device (if required)
After you file a claim, you’ll receive a confirmation email or text message with the claim number and next steps. You can track your claim status online, through the My Verizon app, or by calling Asurion, and you’ll be notified when your replacement device is shipped or ready for pickup (if approved).
What should I do if my device is lost or stolen?
If your device is lost or stolen, you should take the following steps to protect yourself and your data:
- Notify Verizon and file a device insurance claim as soon as possible
- Locate your device using its built-in tracking features (e.g., Find My Device for Android or Find My iPhone for iOS)
- Lock your device and change your passwords for your accounts and apps
- Wipe your device remotely if you can’t recover it (make sure you have a backup of your data first)
- Report the theft to the police and get a copy of the report for your records
If you have Total Mobile Protection, you can also use the Identity Theft Recovery feature to get help with identity restoration and credit monitoring if your personal information is compromised. Remember, it’s important to act fast and stay vigilant if your device is lost or stolen, as the longer you wait, the more vulnerable you may become to fraud, identity theft, or other risks.
How long does it take to process a Verizon device insurance claim?
The processing time for a Verizon device insurance claim can vary depending on several factors, such as the type of damage or loss, the availability of replacement devices, and the volume of claims. However, the standard turnaround time for most claims is typically 1-2 business days. If you file a claim online or through the My Verizon app, you may receive a faster response and avoid long wait times on the phone. You can check your claim status and estimated delivery date online or through the My Verizon app.
What happens after my Verizon device insurance claim is approved?
After your Verizon device insurance claim is approved and processed, you’ll receive a replacement device that’s of the same or similar model, color, and storage capacity as your original device (if available). You may also receive a refurbished device instead of a brand new one, depending on availability and your plan’s terms and conditions. Your replacement device will come with a 1-year warranty or the remainder of your original warranty, whichever is longer. You’ll also need to activate your replacement device and transfer your data and accounts from your old device, if possible.
How can I prevent device damage and loss?
The best way to avoid having to file a Verizon device insurance claim is to prevent device damage and loss in the first place. Here are some tips for keeping your device safe and secure:
- Use a protective case and screen protector to reduce the risk of damage from drops and scratches
- Avoid exposing your device to water, humidity, extreme temperatures, or direct sunlight
- Be careful when handling and storing your device, especially when traveling
- Enable security features such as passcodes, fingerprints, and facial recognition to prevent unauthorized access
- Backup your data regularly to prevent data loss in case of device failure or theft
- Consider adding extra security and tracking features, such as anti-virus software, remote lock and wipe, and GPS tracking
By following these tips and being proactive with your device’s care and security, you can minimize the risk of damage and loss and avoid the hassle of filing a Verizon device insurance claim.
FAQ
What do I need to file a Verizon device insurance claim?
To file a Verizon device insurance claim, you’ll need to provide your device’s make, model, and serial number, a brief description of what happened, and your deductible payment (if applicable). You may also need to provide additional information or documentation, such as proof of purchase, a police report, or a damaged device return label.
How many device insurance claims can I file per year?
The number of device insurance claims you can file per year depends on your plan. With Total Mobile Protection, you can file unlimited claims, including up to three lost or stolen claims per year. With Wireless Phone Protection, you can file up to two claims per year, including one lost or stolen claim.
What is the deductible for Verizon device insurance?
The deductible for Verizon device insurance varies depending on your plan and your device’s value. With Total Mobile Protection, the deductible ranges from $29 to $249, depending on your device. With Wireless Phone Protection, the deductible ranges from $89 to $199, depending on your device. You can choose your deductible level when you enroll in device insurance.
Can I add device insurance to my existing Verizon plan?
Yes, you can add device insurance to your existing Verizon plan within 30 days of activating or upgrading your device. You can enroll online, through the My Verizon app, or by calling Verizon customer service. Your insurance coverage will start as soon as you enroll and pay the first month’s premium.
Can I cancel my Verizon device insurance?
Yes, you can cancel your Verizon device insurance at any time by contacting Asurion or Verizon customer service. However, you may be subject to a pro-rated fee or penalty for canceling early, depending on your plan’s terms and conditions. Also, if you cancel your device insurance, you’ll no longer be protected against accidental damage, loss, or theft, and you’ll have to pay the full retail cost for any repairs or replacements.