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PHP Plan & Coverage

Is Premium Handset Protection Program® (PHP) available in every state?

PHP is available in all states, except AK and HI.  

Where can I add Premium Handset Protection Program® (PHP)?

At any Metro® by T-Mobile store.

When can I add Premium Handset Protection Program® (PHP)?

Device Protection may only be added during a "qualifying event". This is within 7 days of the purchase of a Metro by T-Mobile branded device from an authorized Metro by T-Mobile store. Qualifying events apply to new activations or upgrade devices with no previous network history. BYOD phones are not eligible for PHP.

What does PHP include?

It includes both PHP Device Insurance and McAfee mobile security designed to help you make the most of your connected life!

 PHP Device Insurance covers your device in case of:

✓  Loss

✓  Theft

✓  Accidental damage (including liquid damage)

✓  Mechanical or electrical breakdown after the manufacturer’s warranty expires


Check out the Program Info for additional coverage details such as deductibles, exclusions, and provider information.

McAfee® Security for Metro by T-Mobile with ID Theft Protection includes:

✓  Security against online threats, viruses, data loss and risky apps

✓  Access to register up to 10 devices with one account, including smartphones, tablets, PCs and Macs. For MetroSMART Ride PHP customers, you need to first register your SMARTRide device, and download the McAfee Security for Metro app to your Metro phone to activate.

✓  Ability to track a lost device, sound an alarm and lock and wipe data remotely

✓  ID protection to detect identify theft and help protect you from fraud

✓  Password management with the True Key™ app

Start protecting your devices by downloading the McAfee® Security for Metro® app in your app store.

How much does Premium Handset Protection® (PHP) cost per month?

For customers with a NY area code

For customers with a NY area code, the monthly cost of PHP varies per device based on your device tier. For the complete Premium Handset Protection®, the monthly cost is made up of the cost PHP Device Insurance, which varies by device tier, and $3 for McAfee mobile security. See the table below:

Monthly cost per device
Device Tier Premium Handset Protection® (PHP Device Insurance + McAfee® Security for Metro® by T-Mobile) PHP Device insurance only McAfee® Security for Metro® by T-Mobile
1 $5 $2 $3
3 $7 $4
5 $12 $9


To find your device tier, click on “My Deductible” at the top of the Home page, and click on the link that applies to your area code. Then look for your Make and Model to find your deductible information.

PHP Device Insurance can be purchased separately, and plan costs vary by device tier. McAfee Security for Metro by T-Mobile can also be purchased separately for a monthly cost of $3 per device. Your monthly plan cost will be itemized separately on your statement.

For all Customers with an area code from any other state (except NY)

If your mobile device has an area code from any state (except NY), the monthly cost of PHP is $6 per device. The monthly cost of $6 is made up of $3 for insurance coverage and $3 for McAfee Security for Metro by T-Mobile. You may also purchase these two options separately for $3 each per month per device. The monthly cost is billed as a separate charge to your wireless service account.

Where can I view my terms and conditions for PHP (coverage documents)?

After you enroll, your coverage documents will be delivered to you. You can also come back to this site and view your coverage documents by going the My Documents tab and entering your mobile number. Note: Be sure to save the PDF where you keep your other important documents. Your coverage documents can only be viewed here for the first two years after enrollment.