As a Spectrum Mobile customer, I decided to enroll in their protection plan when I got my new iPhone last year. I wanted the extra peace of mind knowing my phone would be covered if anything happened to it.
In this article, I’ll share my experience and opinions about Spectrum Mobile’s protection plan. I’ll cover what exactly the plan includes, how much it costs, how to file a claim, and whether or not I think it’s worth it.
Key Takeways:
- The protection plan covers accidental damage, loss, theft, and mechanical/electrical failure of eligible Spectrum Mobile devices. It provides replacement devices and tech support.
- Monthly costs range from $7-$18 per device depending on the device. Repair/replacement deductibles range from $29 for screen repair up to $199.
- You can enroll when activating service or later by contacting Spectrum Mobile or managing your account online.
- To file a claim you need device details, account info, and description of damage/incident. Claims can be filed by phone, online, or with the Assurant app.
- You can cancel anytime. Refunds are prorated after 30 days. Spectrum can cancel within 60 days without cause.
- The plan could be worth it for expensive devices or accident-prone users, but compare costs vs self-insuring or other options.
- It doesn’t cover Bring Your Own Devices, only phones purchased through Spectrum.
What is Spectrum Mobile Protection Plan?
The Spectrum Mobile Protection Plan is a phone insurance program offered by Spectrum Mobile that protects your eligible Spectrum Mobile devices against accidental damage, loss, theft and mechanical or electrical failure. Spectrum Mobile Protection Plan helps you resolve technical issues and optimizes your device’s performance.
What does the Spectrum Mobile Protection Plan cover?
Accidental Damage
Accidental damage from handling, such as drops, spills, and cracks, is covered. You will pay a deductible amount per approved claim. The device battery, power adapter, USB charging cable, SIM card, and accessories are eligible for coverage only when claimed as part of an insured product’s reported loss.
Loss & Theft
If your insured device has been lost or stolen, you will get a replacement device and that too within the next business day.
Hardware Service
Spectrum provides hardware maintenance and support for your insured device if it experiences any mechanical or electrical faults.
Free-of-charge Early Upgrades
The Spectrum Mobile Protection Plan allows you to upgrade your device early free of charge, as long as certain conditions are met. The eligible device must:
- Match the IMEI number identified on the Equipment Installment Plan (EIP) or any replacement devices provided by Spectrum Mobile or the manufacturer.
- Power on and operate properly according to the original manufacturer’s hardware and software specifications.
- Be free from liquid damage and screen cracks.
Spectrum Mobile will determine if the device is in “Good Working Order” at their reasonable discretion. You must also have paid at least 50% of the EIP balance for the device to qualify for the free early upgrade.
Live Tech Support
Pocket Geek Mobile is an excellent app for live tech support. Get personalized support from tech experts to help you set up and troubleshoot your device through live chat or remote screen share sessions.
Get the Most Out of Your Devices with Pocket Geek Mobile
Spectrum Mobile Protection Plan offers comprehensive coverage for your smart devices through Pocket Geek® Mobile by Assurant and Pocket Geek® Privacy. With this plan, you gain access to unlimited tech support, ensuring assistance whenever you need it. Additionally, you can enjoy up to 50GB of secure backup for your important data. Moreover, the plan helps safeguard your personal information online, spanning across various devices and operating systems, providing you with peace of mind and comprehensive protection for your digital life.
How Do I Enroll in the Spectrum Mobile Protection Plan?
You can enroll in the Spectrum Mobile Protection Plan when you activate your Spectrum Mobile service. The sales representative will offer you the option to add it to your plan. Enrollment is optional and can be canceled at any time.
If you didn’t enroll originally, you can add the Spectrum Mobile protection plan by calling Spectrum Mobile customer service at 1-833-224-6603. Let them know you want to add the protection plan to your account.
You can also add the protection plan by logging into your Spectrum Mobile account online and going to the “Manage My Plan” section. Click “Protection Plans” and select the option to purchase a plan.
How Much Does the Spectrum Mobile Protection Plan Cost?
What is the Monthly Cost per device?
Spectrum Mobile Protection Plan monthly cost per device is $7, $12, $15, or $18 (depending on device).
Spectrum Mobile Protection Plan costs $29 for screen-only repairs when repaired by an Assurant Authorized Repair Center.
For other accidental damage repairs or replacements, the cost is:
- $40 for most devices (according to Group 1)
- $49 for iPads, $99 for iPhones/Android phones, and $69 for Apple Watches (according to Group 2)
- $49 for iPads and $99 for iPhones/Android phones (according to Group 3)
- $199 for all devices (according to Group 4)
So screen-only repairs are a flat $29 when repaired by Assurant. Other repair/replacement costs range from $40-$199 depending on the device type and damage, with phones generally costing more than tablets. The exact costs seem to vary between the different provided information groups.
What is Group?
Group refers to the Product Owners who enroll in and are accepted for coverage under the Master Policy and who also maintain Mechanical and Electrical Breakdown and Accidental Damage from Handling (ADH) coverage for the Insured Product under a service and repair program approved by the insurance provider. The Master Policy is the overarching insurance policy that covers multiple Groups who meet the enrollment and coverage requirements. By having Groups covered under one Master Policy, it allows for centralized administration and management of the insurance program.
How Do I File A Claim with the Spectrum Mobile Protection Plan?
If you want to file a claim with the Spectrum Mobile Protection Plan, you will need the following things:
- Device make/manufacturer, model, serial number and IMEI number.
- Account holder contact information.
- Details about what happened to your device.
- Deductible Payment.
What is the fastest way to file a claim?
How to Cancel Your Spectrum Mobile Protection Plan?
You can cancel the Spectrum Mobile Protection Plan at any time for any reason by contacting at 1-833-224-6603. You can cancel your Spectrum Mobile Protection Plan within the first 30 days and receive a full refund as long as no claims have been paid. If you cancel after 30 days, you will receive a pro-rated refund less any claims paid. Spectrum can cancel within the first 60 days for any reason. After 60 days, Spectrum can only cancel for nonpayment, fraud, misrepresentation, or breach of duties by you. In that case, Spectrum will provide 30 days written notice of cancellation. When you cancel, you do not receive written notice from Spectrum.
Is Spectrum Mobile Protection Plan Worth it?
Whether Spectrum Mobile’s protection plan is worth it depends on your individual circumstances, risk tolerance, and the value you place on peace of mind.
Here are some factors to consider when deciding whether to opt for Spectrum Mobile’s protection plan:
- Cost: Compare the cost of the protection plan to the potential cost of repairing or replacing your device without it. Consider deductibles, monthly fees, and any coverage limitations.
- Device Value: If you have an expensive smartphone or tablet, the protection plan may be more valuable since repairing or replacing high-end devices can be costly.
- Usage and Risk: Assess how likely you are to damage or lose your device. If you tend to be accident-prone or frequently misplace your phone, the protection plan could save you money in the long run.
- Coverage: Review what the protection plan covers. Does it include accidental damage, theft, loss, or malfunction? Make sure the coverage aligns with your needs and concerns.
- Alternative Options: Consider alternatives to the protection plan, such as self-insuring (setting aside money each month for potential repairs or replacements), using credit card benefits (some credit cards offer purchase protection), or exploring third-party insurance providers.
- Customer Service and Claims Process: Research Spectrum Mobile’s reputation for customer service and the ease of the claims process. A protection plan may not be worth it if filing a claim is a hassle or if the company has a poor track record for resolving issues.
Ultimately, whether Spectrum Mobile’s protection plan is worth it depends on your personal preferences and circumstances. Take the time to carefully evaluate the costs and benefits before making a decision.
Frequently Asked Questions
Can I cancel the Spectrum Mobile Protection Plan at any time?
Yes, you can cancel your Spectrum Mobile Protection Plan at any time by calling Spectrum at 1-833-224-6603.
Can I get the Spectrum Mobile Protection Plan if I bring my own device to Spectrum Mobile?
The Spectrum Mobile Protection Plan is only available for devices purchased directly from Spectrum Mobile. It does not apply to devices (Bring Your Own Device) that you bring to Spectrum’s network.
How many claims can I file in 12 months with the Spectrum Mobile Protection Plan?
You can file up to 2 claims in a 12 month period with the Spectrum Mobile Protection Plan. The 12 month period starts from the date of your first claim.
What’s Not Covered in Spectrum Mobile Protection Plan?
The Spectrum Mobile Protection Plan does not cover damage caused by misuse, accidents, or environmental factors. It also does not cover setup, installation, data restoration, or disposal/removal of devices. Alterations to devices without manufacturer permission, like removed serial numbers or unauthorized modifications, are not covered. The plan only covers mechanical or electrical faults during normal use. Any loss or damage to data on the device is also not included.
