Help, My Phone is Broke and It Won’t Fix Itself! My Journey into Phone Insurance.

Normally, I avoid extra costs like electronics insurance plans. Luckily, my MetroPCS phone was given to me as a gift, and my husband had the foresight to pay a little extra for the insurance coverage. Over two years have elapsed since he gave me the Samsung Galaxy SIII for my birthday, and I’ve dropped it no less than 32 times. The last drop was the kicker, the screen finally cracked, and although my Galaxy SIII was still usable, it was an embarrassing sight.

t mobile phone insurance

Unlike other cellular companies like Verizon or Sprint, customers can get the latest phones for cheap as a contract user. But us Metro users, have to pay full price for best phones like the Galaxy. I wasn’t prepared to fork over $400-$600 for the latest Galaxy phone. Luckily, I went into a store to inquire if my phone had a warranty. It did not, but it did have insurance and they had a nice record of that on their computer.

The MetroPCS sales person was prepared to file my claim for me in the store, or I could go home and file online or by phone. I chose the later, and started my claim online. It was the easiest process imaginable. In just a few minutes, I had ordered the next upgrade for $125 (my deductible), and it arrived at my doorstep in 2 days.

To get a new MetroPCS phone with insurance:

1) Go to

2) Enter the required information. You only need your phone number (as they have a record of your insurance information), name, address, and credit card to process your deductible.

3) Wait for your phone to arrive.

4) Ship your original phone back to Asurion in the provided stamped envelope, or you will be charged $50 to keep it.

There were a couple of drawbacks. The S5 has already been released, and I could only get the S4. That may have been different if I had an S4, maybe then they would’ve upgraded me. My SIII was white, and I preferred another color but that wasn’t an option for me. The rep said white was the only color available.

My Personal Experience with Asurion:

Asurion was easy to deal with, but I did have to return the first phone they sent me. Here is my wild story! I received a new S4 from Asurion to replace my SIII within two business days as promised. I took my new phone to MetroPCS to have it turned on. They couldn’t turn on this new phone because it wouldn’t read the SIM card. This new phone, turned out to be refurbished and not functional. And in the process of trying to turn on my new phone, MetroPCS had turned off my old phone and couldn’t turn it back on once it was discovered the new phone wasn’t going to work out. So I left the store without a phone. On a ridiculous side note, my car broke down on the way home from the store, and of course, I didn’t have a phone to even call a tow truck.

I called Asurion and told them about the problem the next day. They overnighted me another S4, this time a new rather than refurbished phone. The new phone worked like a charm, but I did have to return to the MetroPCS store to get the phone actually turned on; it’s not something you can do at home.

Here are a couple of learnings from this experience:

You don’t have to wait for your phone to be damaged. If you really want an upgrade and don’t want to pay full price, just damage your phone. Crack the screen, soak it in water, etc. — just go ham. It’s cheaper than having to pay full price for the upgrade.

Request a new, rather than refurbished phone from the insurance company. I’m not sure if they will give it to you, but it’s worth asking for.

Brandy - The Mother

Hi, I am Brandy and I am "the mother." I enjoy being a mother, friend, and playmate to my son.

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1 Response

  1. April 26, 2015

    […] Help, My Phone is Broke and It Won’t Fix Itself! My Journey into Phone Insurance. […]

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