Cell Phone Insurance

Do you need cell phone protection?

Repairing or replacing a cell phone can be pricey.

Save up to 22% on a cell phone protection plan.

The USAA Insurance Agency has teamed up with ProtectCELL, an industry leader in mobile device protection. Members can get up to 22% off and choose from three payment plans to protect phones activated within the past 12 months.^{See note2}

Check out the following features.

Sign up for a monthly, one-year or two-year plan.
Pay an average of just $7.09 per month for a two-year prepaid plan.^{See note3}
Get 50 GB of free cloud space.
Use the free SafeStore™ app for added security.
Lock and locate your phone remotely.

How does it work?

File your request for a replacement phone, pay a $199 replacement charge and get the replacement typically in less than 48 hours.^{See note2}

Cell phone protection could help save you money.

Consider this scenario: You have this one-year protection plan and your newly released $1,000 smartphone is lost or stolen. Here's what you could pay out of pocket.

Cost of coverage No cost
Out-of-pocket replacement cost $1,000
Your total cost $1,000

Cost of coverage $99.99 per year
Out-of-pocket replacement cost $199
Your total cost $298.99

Choose a plan for mobile protection

Cell phone protection FAQ

ProtectCELL doesn't repair phones. They'll replace your phone with a certified refurbished phone.
You can start the process online, but you must complete it over the phone.
You can submit proof of purchase when you purchase your plan or when you request replacement of your phone.
You should receive your replacement phone within two days. Overnight shipping is available in most locations for an extra charge.
ProtectCELL will extend your protection plan to include the certified refurbished replacement.
If you upgrade or get a new phone, protection will transfer once you submit proof of purchase.

Note 1 Percentage savings as compared to 2025 pricing of comparable ProtectCELL plan without the discount.

Note 2 Immediate coverage for undamaged phones purchased same day mobile phone protection plan purchased. Protection Plan for undamaged phone may be purchased for up to 12 months after the purchase of the phone. There is a 30 day waiting period for phones owned prior to the day the protection plan is purchased

Note 3 For two year plans paid in full at the time the plan is purchase, cost equates to $7.09 per month. For one year plans paid in full at the time the plan is purchase, cost equates to $8.33 per month. Plans paid for on a month-to-month basis are $9.25 per month.

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

Mobile phone protection plans are not issued by United Services Automobile Association (USAA) or its affiliates. The USAA Insurance Agency (the "Agency") contracts with third-party companies that are not affiliated with USAA to offer products and services ("third-party products") on their behalf. The Agency receives compensation on the sale or renewal of third-party products. Any protection plan descriptions are brief and are subject to the terms and conditions of the plan. Read your plan for details. USAA Insurance Agency means USAA Insurance Agency, Incorporated, or USAA of Texas Insurance Agency. California License #0D78305, Texas Lic. #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288.

iPhone^® is a registered trademark of Apple Inc.

The trademarks, logos and names of other companies, products and services are the property of their respective owners.

6596575

Cell Phone Protection

Searching for cell phone insurance?

Do you need cell phone protection?

Save up to 22% on a cell phone protection plan.

How does it work?

Cell phone protection could help save you money.

Without Protection

With Protection

Cell phone protection FAQ