The Premium Handset Protection® Program

  • Comprehensive mobile device protection.  Your device will be covered against loss, theft, physical damage, liquid damage, mechanical or electrical breakdown after the manufacturer’s warranty period has expired.
  • Don't be without your device. In most cases, the Premium Handset Protection Program offers next business day replacement.
  • Get added protection through Lookout Mobile Security® Premium**. It's included with the Premium Handset Protection Program coverage.

How It Works

  • The Premium Handset Protection Program can only be added within seven days from the date of activation or upgrade. If you choose not to enroll today online, please visit a retail store or call Customer Care within seven days to have the Premium Handset Protection Program added.
  • Premium Handset Protection is for new MetroPCS devices only.  BYOD and reactivated MetroPCS devices are not eligible for the Premium Handset Protection Program.
  • Click to review the Premium Handset Protection insurance coverage terms and conditions
  • Visit to look up a deductible, file a claim, track a claim and review FAQs.

Available With These Rate Plans:

MetroPCS $40 plan
MetroPCS $50 planMetroPCS $60 plan

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Premium Handset Protection Program Additional Information:

  • Deductibles: Schedule A-$20, Schedule B-$50, Schedule C-$100, Schedule D-$125, Schedule E-$200. View full list of devices and their applicable deductibles. Deductible is payable by credit card, e-check, in select dealer store locations, or by Cash On Delivery (C.O.D.). A processing fee is charged for deductible payments processed in select dealer store locations ($5) or by C.O.D. ($15).
  • Claim Limit: 2 claims within a consecutive 12-month period with an equipment maximum of $999 per claim
  • Replacement Equipment: Claims may be fulfilled with new or reconditioned devices or other models of like-kind and quality. Colors, features and accessory compatibility are not guaranteed.
  • Cancellation Policy: Coverage is optional and you can cancel your coverage at any time and request a prorated refund of your monthly insurance premium. MetroPCS wireless services and PHP Program coverage are paid in advance for the month. If you cancel MetroPCS wireless services your service and features will continue through the end of the paid bill cycle. You may keep your PHP insurance coverage through the end of the paid bill cycle or if you wish, you may cancel the PHP insurance coverage and request a refund of the unused portion of the premium paid by calling 800-430-9881.
  • If your device has been damaged, it must be returned as directed within 15 days of the receipt of replacement equipment or you may be charged a Non-Return Fee of up to $300.
  • If we have your email address, we may communicate Premium Handset Protection Program information to you via electronic means. If you wish to update or opt out of electronic communications please visit your local MetroPCS store.
  • PHP insurance is optional insurance coverage that you are not required to purchase in order to purchase services or equipment.
  • PHP insurance may provide a duplication of coverage already provided by a customer’s homeowner’s or other insurance policy.
  • PHP insurance is insurance protection provided to subscribers of MetroPCS®, administered by Asurion Insurance Services, Inc. (in New York, Asurion; in California, License #0B35141; in Iowa, License #1001000131), and underwritten by Old Republic Insurance Company.

*The monthly charge includes $3.00 for the cost of PHP insurance except in New York. New York residents may purchase insurance separately for $4.00 per month by calling 800-430-9881.

**Capable device required; technical limitations may prevent certain features (e.g. Incorrect Passcode) from working on certain phones.