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Is Verizon Mobile Protect Worth The Money? An In-Depth Review

Verizon offers an optional extended warranty program called Mobile Protect that provides coverage for loss, theft, and accidental damage.

But with premiums of $7-$15 per month, is this peace of mind worth the ongoing cost?

If you’re short on time, here’s a quick answer: Verizon’s Mobile Protect can be worth it for accident-prone individuals or those wanting full replacement coverage. But for most, the premiums may outweigh the benefits compared to handling repairs individually or using a good case.

In this comprehensive guide, we’ll analyze the features and limitations of Mobile Protect to help you decide if it’s a smart investment or an unnecessary expense.

You’ll learn exactly what’s covered, what the deductibles are, and how the program compares to AppleCare+ and other insurer’s plans.

Overview of Verizon Mobile Protect Coverage and Costs

Verizon Mobile Protect is a comprehensive insurance plan that offers coverage for your mobile device against loss, theft, damage, and mechanical or electrical defects. It provides peace of mind knowing that your investment is protected, and you won’t have to bear the full cost of repairs or replacement.

However, before deciding whether Verizon Mobile Protect is worth the money, it’s important to understand what’s included and excluded, the monthly and deductible fees, and how it compares to other tiers of protection.

damage phone

What’s Included and Excluded

Verizon Mobile Protect offers a wide range of coverage for your mobile device. This includes protection against accidental damage, such as cracked screens or liquid spills, as well as loss or theft.

Additionally, the plan covers mechanical or electrical defects that are not covered by the manufacturer’s warranty. It’s important to note that intentional damage, cosmetic damage, and damage caused by unauthorized repairs are not covered.

Verizon Mobile Protect also provides additional benefits, such as tech support, security features, and access to the Verizon Tech Coach app, which offers personalized assistance for your device. These features can be particularly helpful if you encounter any issues with your mobile device or need guidance on how to maximize its capabilities.

Monthly and Deductible Fees

Verizon Mobile Protect is available for a monthly fee, which varies depending on the device and tier of protection you choose. The monthly fee is added to your Verizon Wireless bill, making it convenient and easy to manage.

It’s important to consider the monthly fee as an ongoing cost, especially if you plan to keep your device for an extended period.

In addition to the monthly fee, Verizon Mobile Protect requires a deductible for each claim. The deductible amount also depends on the device and tier of protection. It’s essential to be aware of the deductible cost and consider it when evaluating the overall value of the insurance plan.

While the deductible may seem high, it is typically much lower than the full cost of repairing or replacing a mobile device.

Comparing Mobile Protect Tiers

Verizon Mobile Protect offers different tiers of coverage based on the device you own.

The tiers include Mobile Protect, Mobile Protect Plus, and Mobile Protect Premium. Each tier offers varying levels of coverage and additional benefits.

Tier Coverage Additional Benefits
Mobile Protect Accidental damage, loss, theft, mechanical and electrical defects Tech support, security features
Mobile Protect Plus Same as Mobile Protect, plus coverage for cracked screens Tech support, security features, Verizon Tech Coach app
Mobile Protect Premium Same as Mobile Protect Plus, plus coverage for loss of device accessories Tech support, security features, Verizon Tech Coach app, access to Total Mobile Protection Multi-Device

When considering which tier is right for you, it’s important to assess your needs and the value you place on the additional benefits.

If you frequently use your device and are concerned about accidental damage, Mobile Protect Plus or Mobile Protect Premium may offer greater peace of mind. On the other hand, if you primarily want coverage against loss or theft, Mobile Protect may be sufficient.

Benefits and Usage Examples

Full Device Replacement

One of the major benefits of Verizon Mobile Protect is the option for full device replacement.

If your phone gets damaged beyond repair or is lost, Verizon will provide you with a replacement device. This is especially useful if you rely heavily on your phone for work or personal use and cannot afford to be without a device for an extended period of time.

With Verizon Mobile Protect, you can have peace of mind knowing that you will not be left without a functioning phone.

Full Device Replacement

Multiple Claims Allowed

Another advantage of Verizon Mobile Protect is that it allows multiple claims. Accidents happen, and phones can get damaged or lost more than once. With this protection plan, you can make multiple claims within a year if needed.

Whether your phone gets dropped, stolen, or damaged in any other way, you can rest assured that Verizon will be there to assist you in getting a replacement.

Covers Loss and Theft

Verizon Mobile Protect also covers loss and theft, which is a great benefit for those who tend to misplace their phones or live in areas with a higher risk of theft.

If your phone gets lost or stolen, Verizon will replace it for you. This coverage provides added security and ensures that you won’t have to bear the financial burden of purchasing a new phone if the unthinkable happens.

Limitations and Scenarios Where It May Not Pay Off

High Upfront Deductible

One of the limitations of Verizon Mobile Protect is its high upfront deductible.

When filing a claim, customers may be required to pay a significant amount before receiving any coverage. This can be a drawback for those who are looking for a more affordable insurance option.

However, it is important to consider the overall cost of potential repairs or replacements without insurance. In some cases, paying the deductible upfront may still be more cost-effective in the long run.

No Coverage for Cosmetic Damage

Verizon Mobile Protect does not cover cosmetic damage to your device. This means that if your phone has minor scratches, dents, or other cosmetic issues, you will not be able to file a claim for repairs or replacements.

While cosmetic damage may not affect the functionality of your device, it can still be disappointing for those who want their phone to look pristine. If cosmetic damage is a major concern for you, it may be worth considering other insurance options that offer coverage for such issues.

Won’t Cover Gross Negligence

It’s important to note that Verizon Mobile Protect does not cover damage caused by gross negligence. This means that if you intentionally or recklessly damage your device, you will not be eligible for coverage.

While this may seem like common sense, accidents can happen, and it’s important to be aware of the limitations of your insurance coverage. If you tend to be rough with your devices or have a history of accidents, it may be worth considering additional protection or being extra cautious with your phone.

Comparing Mobile Protect to AppleCare+ and Other Insurers

vs. AppleCare+ Coverage

When it comes to mobile device protection plans, one of the most well-known options is AppleCare+. This coverage is specifically designed for Apple products and offers a range of benefits, including accidental damage protection and technical support. 

However, how does Verizon Mobile Protect compare to AppleCare+?

Verizon Mobile Protect offers similar coverage to AppleCare+. Both plans provide protection against accidental damage, loss, and theft. Additionally, they both offer 24/7 technical support and next-day device replacement. However, there are some differences to consider.

One key difference is that AppleCare+ only covers Apple devices, while Verizon Mobile Protect covers a wide range of brands, including Apple, Samsung, and Google. So if you have a non-Apple device, Verizon Mobile Protect may be a more suitable option for you.

Another difference is the cost. AppleCare+ typically has a higher upfront cost, while Verizon Mobile Protect may be more affordable for some customers. It’s important to consider your budget and the value you place on the additional benefits offered by AppleCare+ when making a decision.

vs. Carrier Insurance

Many mobile carriers offer their own insurance plans to protect your device. These plans are often similar to Verizon Mobile Protect in terms of coverage, but there may be some variations to consider.

Verizon Mobile Protect stands out among carrier insurance plans due to its comprehensive coverage and additional benefits. In addition to protecting against accidental damage, loss, and theft, Verizon Mobile Protect also includes 90-day warranty extensions and access to Tech Coach, a valuable resource for troubleshooting and device support.

While carrier insurance plans can be convenient, it’s important to compare the coverage and benefits offered by Verizon Mobile Protect to ensure you’re getting the best value for your money.

vs. Third-Party Insurers Like Worth Ave Group

Third-party insurers, such as Worth Ave Group, also offer mobile device protection plans. These plans can provide an alternative to Verizon Mobile Protect, but it’s important to evaluate the differences.

Verizon Mobile Protect offers a wide range of coverage options, including protection against accidental damage, loss, theft, and even water damage. Additionally, it provides access to Tech Coach for technical support. These additional benefits may not be available through third-party insurers.

It’s also worth noting that Verizon Mobile Protect has a strong reputation and is backed by Verizon, a trusted telecommunications company. This can provide peace of mind knowing that you’re dealing with a reputable insurer.

When considering third-party insurers, be sure to compare the coverage, benefits, and reputation of the company to ensure you’re making an informed decision.

Tips for Evaluating if Mobile Protect Is Worth It For You

Consider Your Risk Tolerance

When deciding whether Verizon Mobile Protect is worth the money, it’s important to consider your own risk tolerance. Are you someone who frequently drops their phone or has a history of losing devices?

If so, the added protection of Verizon Mobile Protect may provide peace of mind and save you from costly repairs or replacements. On the other hand, if you are generally careful with your devices and have never had any major issues in the past, you may feel comfortable relying on standard warranties or other insurance options.

Compare to Other Options

Before making a decision, it’s always a good idea to compare Verizon Mobile Protect with other insurance options available in the market. Look into what other carriers or third-party providers offer in terms of coverage, deductibles, and premiums.

Consider the reputation and customer reviews of these alternatives to gauge their reliability and customer satisfaction. This comparison will help you determine if Verizon Mobile Protect offers the best value for your specific needs.

Do the Math on Premiums

One of the key factors in evaluating whether Verizon Mobile Protect is worth the money is to calculate the cost of premiums versus the potential benefits. Take into account the monthly or annual premiums for the coverage and compare it to the cost of repairing or replacing your phone without insurance.

Additionally, consider the deductibles you would have to pay for each claim. It may be helpful to create a table or spreadsheet to compare the total cost of premiums and deductibles over a certain period of time.

This will give you a clearer picture of whether the financial investment in Verizon Mobile Protect makes sense for your budget and usage habits.

Ultimately, the decision of whether Verizon Mobile Protect is worth the money depends on your individual circumstances and priorities.

By considering your risk tolerance, comparing options, and doing the math on premiums, you can make an informed choice that aligns with your needs and budget.

Verizon Mobile Protect


Verizon’s Mobile Protect offers robust coverage, especially for loss and theft, but is not necessarily a universal must-have.

For accident-prone users or those wanting full replacement coverage, the premiums may be justified. But for many, the costs may outweigh the potential benefits.

Carefully assess your personal habits, lifestyle, and risk factors. Weigh alternatives like AppleCare+ or standalone insurers. With smart precautions and some discipline, you can likely self-insure against most common repairs.

Analyze the math to determine if Mobile Protect makes sense for your specific situation.

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