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

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Edgar Cervantes / Android Authority

TL;DR Metro by T-Mobile has announced plans to replace its old PHP insurance with a new three-tier Metro Protection plan.

While Metro’s old plans started at $5, the new service begins at $3 a month, with its most expensive option maxing out at $10 a month.

New features include same-day screen repairs, more claims, added perks like McAfee and Scam Shield, and more.

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.

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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.

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