Are you tired of that sinking feeling when your phone slips from your grasp, or worse, completely vanishes? Or perhaps your trusty tablet has decided to call it quits right after its manufacturer's warranty expired? If so, you're in the right place! Verizon Total Equipment Coverage (TEC) is designed to be your tech guardian angel, offering a comprehensive shield against a variety of unfortunate incidents.
This lengthy guide will walk you through everything you need to know about Verizon Total Equipment Coverage, from understanding what it is and what it covers, to the nitty-gritty of filing a claim and managing your plan. Let's dive in!
Understanding Verizon Total Equipment Coverage
Verizon Total Equipment Coverage (TEC) is not just a single product; it's a bundle of two key Verizon device protection options:
Wireless Phone Protection (WPP) (Insurance): This is the insurance component, covering those dreaded scenarios like loss, theft, and accidental damage (including liquid damage and cracked screens).
Verizon Extended Warranty (EW): This acts as a service contract, providing coverage for post-warranty mechanical or electrical malfunctions that occur after your manufacturer's warranty has expired. This means if your phone suddenly stops working after its initial warranty period, you're still covered.
Important Note: Total Equipment Coverage (TEC) is generally not available in Florida or for Florida customers. For customers in Florida, Wireless Phone Protection (WPP) provides coverage for post-warranty malfunctions with an applicable damage deductible.
Step 1: Is Verizon Total Equipment Coverage Right for You?
Before we get into the specifics, let's figure out if TEC is even something you need! Consider these questions:
Do you frequently drop your phone or tablet?
Are you prone to losing your devices?
Does the thought of a post-warranty malfunction giving you a costly repair bill fill you with dread?
Do you value the peace of mind of knowing your device is protected beyond the manufacturer's initial warranty?
Are you comfortable with a monthly premium and a deductible when you file a claim?
If you answered yes to most of these, then TEC might be a worthwhile investment!
Sub-heading: What TEC Covers (and What it Doesn't)
Let's break down the specifics of what TEC has your back on:
Loss: Misplaced your phone at the mall? Someone snatched it from your bag? TEC covers it.
Theft: If your device is stolen, you're covered.
Damage: This is a broad category, encompassing:
Cracked Screens: For select smartphones, TEC offers unlimited cracked glass repairs with a $0 deductible. This is a huge benefit for those accidental drops!
Liquid Damage: Spilled coffee on your tablet? Dropped your phone in the pool? Covered.
Other Accidental Damage: Dents, bends, impacts – if it's accidental and not covered by a $0 cracked screen repair, a deductible will apply.
Post-Warranty Malfunctions: Once your manufacturer's warranty runs out, TEC steps in for electrical or mechanical breakdowns. This includes things like the device not powering on, charging port issues, or battery malfunctions (for select smartphones).
However, it's equally important to understand what's not covered:
Cosmetic Damage Only: Scratches or minor wear and tear that don't affect the device's functionality are typically not covered.
Pre-existing Conditions: Your device must be fully functioning and free of damage or defects when you enroll in TEC.
Unauthorized Repairs: If you try to fix your device yourself or have it repaired by an unauthorized service center, it could void your coverage.
Manufacturer Recalls or Defects Covered by Warranty: During the manufacturer's warranty period, any issues typically fall under their responsibility, not your insurance.
Accessories Only (without device damage): If only an accessory (like a charger or case) is damaged, it generally won't be covered unless it's directly related to a covered device claim.
Step 2: Enrolling in Verizon Total Equipment Coverage
So, you've decided TEC is for you. Great! Now, let's get you enrolled.
Sub-heading: Eligibility Requirements
Before you can sign up, ensure your device and account meet the following criteria:
Compatible Device: Your device must be compatible with the Verizon network.
Fully Functioning Device: Your device needs to be in perfect working order – no cracked screens, no existing defects, and not lost or stolen at the time of enrollment.
New Line or Upgrade: You can enroll when you:
Purchase a new device and activate it on a new line.
Upgrade to a new device on an existing active line.
Bring your own device (BYOD) and activate it on a new line of service (provided it meets the functional requirements).
Account Type: Prepaid accounts are generally not eligible for Total Equipment Coverage.
Sub-heading: How to Enroll
You have a few convenient ways to enroll:
Through the My Verizon Website:
Log in to your My Verizon account.
Navigate to the "Services & Perks" page.
Look for the "Total Equipment Coverage" section and select "Get it now."
Follow the on-screen prompts to complete the enrollment process.
Through the My Verizon App:
Open the My Verizon app on your smartphone or tablet.
Scroll to the "Device Protection" section and tap "Learn More."
Select "Enroll" for the lines you wish to cover.
Choose "Total Equipment Coverage" and follow the prompts.
At a Verizon Store:
Visit your nearest Verizon retail store. A sales representative can assist you with enrollment and answer any questions you may have in person.
Timing is Key! You generally have 30 days from the date of activating your device to enroll in Total Equipment Coverage. Don't procrastinate!
Step 3: Understanding the Cost of Total Equipment Coverage
It's crucial to be aware of the monthly cost and potential deductibles associated with TEC.
Sub-heading: Monthly Premium
The monthly charge for Total Equipment Coverage varies depending on your device type and location (e.g., New York customers may have different rates).
For nationwide customers, it typically ranges from $9.10 to $12.10 per month, depending on the device.
For New York customers, it can range from $8.40, $9.40, or $12.40 per month.
You can find the specific monthly charge for your device on the "Services & Perks" page in My Verizon. This charge will be added directly to your monthly wireless bill.
Sub-heading: Deductibles and Fees
A deductible is the amount you pay when you file a claim for a lost, stolen, or damaged device. The deductible amount varies based on your device and the type of claim:
$0 for Cracked Glass Repair: As mentioned, for eligible smartphones, cracked screen and back glass repairs come with a fantastic $0 deductible.
Damage Deductible: For other types of damage (e.g., liquid damage, severe physical damage not eligible for $0 cracked glass repair), the deductible is typically $99. However, if your loss/theft deductible is less than $99, the damage deductible will be the same as your loss/theft deductible.
Loss/Theft Deductible: This can vary significantly depending on your device, ranging from $19 to $279. You'll typically find your specific deductible information on the Verizon or Asurion (Verizon's claims administrator) websites.
Extended Warranty Replacement Fee: For post-warranty malfunctions covered under the Extended Warranty portion, repairs are typically $0. However, if a repair isn't available for your device and you're offered a replacement, there might be a $49 replacement fee, though this is often waived if a repair option was unavailable.
Step 4: How to File a Claim with Verizon Total Equipment Coverage
This is where the rubber meets the road! If something unfortunate happens to your device, knowing how to file a claim quickly and efficiently is vital. Verizon partners with Asurion to handle its device protection claims.
Sub-heading: Before You File – Gather Information
To make the process smooth, have the following ready:
Your Verizon Mobile Number
Your Account PIN/Security Code
Device Information: Make, model, and Device ID (IMEI or MEID) of the damaged/lost/stolen device. You can usually find this on the "My Devices" page in My Verizon.
Details of the Incident: When did it happen? Where? What exactly happened to your device? Be as specific as possible.
Police Report (for theft claims): If your device was stolen, having a police report can expedite the process and might be required.
Sub-heading: Step-by-Step Claim Filing Process
You have a few convenient ways to file a claim:
Online (Recommended for Speed and Convenience):
Go to the Asurion Verizon claims website:
phoneclaim.com/verizon Click on "Start a Claim."
Enter your Verizon mobile number and zip code.
Indicate your account type (Individual/Family or Business).
Follow the on-screen prompts, answering questions about your device and the incident.
You'll be guided through options for repair or replacement based on your device and the type of damage/issue.
If a deductible applies, you'll pay it online during this process.
You'll receive confirmation and instructions for what happens next (e.g., shipping details for a replacement, or instructions for a repair).
Through the My Verizon App:
Open the My Verizon app.
Navigate to your "Device Overview."
Select the device that is lost, stolen, or damaged and tap "Manage."
Look for an option like "Lost, stolen, or damaged device? Start a claim."
Enter the requested information and follow the prompts.
By Phone:
You can call Asurion directly to file a claim. The general claims number is 888-881-2622. Be prepared to provide your account and device details.
Sub-heading: What to Expect After Filing a Claim
Claim Approval: Once your claim is approved, Asurion will determine if a repair or replacement is the best solution.
Repairs: For eligible cracked screen repairs or certain malfunctions, you might be directed to a Verizon-authorized repair facility (like uBreakiFix) for in-person service. Repairs are often performed by Asurion-certified technicians and come with a 12-month limited warranty.
Replacements: If a repair isn't feasible or the damage/loss warrants it, a replacement device will be shipped to you. Replacements can be new or refurbished and may be the same model or another model of like kind and quality. Colors, features, and accessory compatibility are not guaranteed.
Shipping: For replacement devices, if your claim is approved by a certain time (e.g., 12 AM CT Monday-Friday), you can often expect next-day delivery (Saturday delivery where available). Same-day delivery and setup might be available in select locations for certain devices.
Returning Damaged/Malfunctioning Device: If you receive a replacement, you will almost always be required to return your damaged or malfunctioning device within a specified timeframe (usually 10-15 days). Failure to do so can result in a non-return fee, which can be the full retail price of the replacement device. A return label is typically included with your replacement.
Tracking Your Claim: You can track the status of your claim on the Asurion Verizon claims website (
phoneclaim.com/verizon
Step 5: Managing Your Total Equipment Coverage
Once enrolled, you'll want to know how to manage your coverage.
Sub-heading: Checking Your Coverage Status
My Verizon Website/App: You can always verify your active device protection options by logging into your My Verizon account (either on the website or through the app) and navigating to the "Services & Perks" or "Device Protection" section.
Sub-heading: Cancelling Total Equipment Coverage
While TEC offers great peace of mind, circumstances change. If you decide to cancel:
Monthly Renewal: Your device protection automatically renews each month until you cancel it.
Prorated Refund: You can cancel at any time and receive a prorated refund of your monthly charge.
How to Cancel:
My Verizon Website: Go to the "Services & Perks" page and locate the Total Equipment Coverage section. There should be an option to remove or cancel it from your line.
My Verizon App: Similar to the website, find the device protection section and look for the option to manage or cancel.
Contact Verizon Customer Service: You can call Verizon customer service (dial *611 from your Verizon phone or 1-800-922-0204) to request cancellation.
Crucial Advice: If you cancel Total Equipment Coverage, your current device may not be eligible for any other device protection option unless it meets the eligibility requirements for new enrollment. Think carefully before canceling, especially if you plan to switch to a different protection plan.
Step 6: Leveraging Additional Benefits (Beyond Just Claims!)
Total Equipment Coverage often comes with additional perks that enhance your device experience.
Sub-heading: Tech Coach and Digital Secure
Many Verizon protection plans, including TEC, bundle in services like:
Tech Coach: This provides 24/7 premium tech support. You can call or chat with experts who can help you optimize your device, troubleshoot issues, set up new devices, connect to other tech, and even perform in-person device refreshes (including screen protector installation) at select locations.
Digital Secure: This app offers digital security and privacy tools, including Wi-Fi security, VPN options, and identity theft monitoring.
These benefits can be incredibly useful for maximizing your device's performance and keeping your personal information safe.
Frequently Asked Questions (FAQs)
Here are 10 common questions about Verizon Total Equipment Coverage, starting with "How to":
How to check if I have Verizon Total Equipment Coverage?
Log in to your My Verizon account on the website or through the My Verizon app. Navigate to the "Services & Perks" or "Device Protection" section to see your active coverage.
How to find my deductible for a Verizon Total Equipment Coverage claim?
Your deductible depends on your device and the type of claim (damage, loss, theft). You can find specific deductible information on the Verizon website or by visiting
phoneclaim.com/verizon
How to file a claim for a cracked screen with Verizon Total Equipment Coverage?
Visit
phoneclaim.com/verizon
How to return my damaged phone after receiving a replacement from Verizon TEC?
A return envelope and instructions are typically included with your replacement device. Follow these instructions carefully and send your damaged device back within the specified timeframe (usually 10-15 days) to avoid a non-return fee.
How to contact Asurion for a Verizon Total Equipment Coverage claim?
You can file a claim online at
phoneclaim.com/verizon
How to get a battery replacement with Verizon Total Equipment Coverage?
Battery replacements for malfunctions are covered under the Extended Warranty portion of TEC for select smartphones. File a claim for a post-warranty malfunction, and if eligible, you'll be directed to an authorized repair facility.
How to know if my device is eligible for $0 cracked glass repair?
Eligibility for $0 cracked glass repair applies to select smartphones. You can check your device's eligibility by visiting
phoneclaim.com/verizon
How to cancel Verizon Total Equipment Coverage?
You can cancel TEC anytime via the My Verizon website (Services & Perks page), the My Verizon app (Device Protection section), or by calling Verizon customer service at *611 or 1-800-922-0204. You'll receive a prorated refund.
How to prevent my phone from being stolen (and needing TEC)?
While TEC covers theft, prevention is key! Always be aware of your surroundings, avoid leaving your phone unattended, use strong passcodes/biometrics, and consider using tracking apps like Find My iPhone or Find My Device.
How to decide between Verizon Total Equipment Coverage and another protection plan?
Consider the types of incidents you want coverage for (loss, theft, damage, malfunctions). Compare monthly costs, deductibles, claim limits, and additional benefits (like tech support or digital security) across different plans to find the best fit for your needs and budget.