Metro by T-Mobile is overhauling its insurance, with plans starting at just $3 a month

Last night, US Mobile announced plans for its new insurance service, which will officially launch next week under the name US Mobile Protect. Hot on its heels, Metro by T-Mobile has unveiled a new insurance program of its own.

Unlike US Mobile, Metro by T-Mobile already offered insurance through its older Premium Handset Protection (PHP) program, provided in partnership with Assurant and starting at $5 per month. T-Mobile hasn’t officially confirmed its new insurance partner this time, but the rebrand signals a major change.

The new Metro Protection plan improves on the old PHP program with more claim options, same-day screen repairs, and expanded support. Metro will offer three tiers, ranging from $3 to $10 per month (excluding taxes).

Here’s a quick breakdown of what to expect:

• Basic ($3 a month): One claim per year for accidental damage, loss, or theft. Service fees range from $20 to $275. Includes unlimited claims for mechanical and electrical failure.
• Advanced ($6 a month): Up to five claims per year for accidental damage, loss, or theft. Service fees range from $20 to $175 for damage or failure, and the same loss/theft deductible as Basic. Includes screen repair for $20–$29.
• Complete ($10 a month): Unlimited claims across all categories, with much lower service fees — $10 to $90 for damage or failure, and $20 to $275 for loss/theft.

Metro Protection Advanced and Complete also include extras like McAfee protection and unlimited tech support, while the Complete plan adds Scam Shield Premium. On paper, Metro Protection looks like a solid upgrade, though we haven’t had any hands-on experience with it yet. Plan to sign up? Let us know in the comments below.