T-Mobile’s JUMP! Upgrade Program, Just How Good Of A Deal Is It?

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Note: The $10 monthly fee includes T-Mobile’s PHP insurance plan which makes it a good deal financially, but the real question remains the JUMP! upgrade timeframe. The $8 PHP bundle includes Insurance and Extended Warranty protection. Next business day shipping is included on all replacements. There are $20, $50, $100, $150 or $175 deductible tiers depending on the device using insurance. 

JUMP! certainly caught all of our attention yesterday as it’s definitely a “bold” move by T-Mobile. Is it their Boldest move ever? I’m not so sure and before we can run and call JUMP! a true game-changer as we need to dissect it and see just who can benefit from it and at what cost.

The question of whether or not the $10 per month for JUMP! is worth it for you is ultimately going to depend on what kind of a user you are. Do you need the latest phone the minute it hits store shelves? Then JUMP! might be for you? Do you want the iPhone 5 today but the next-gen iPhone six months from now after it releases later this year?

Let’s take the iPhone 5 as an example and say you pay the $145.99 down and then six months of monthly payments at $21 each month. That’s $272 after six months of ownership, and now lets add in the six months of JUMP!. Your total ownership over six months is now $332. That’s a little over half the total cost of the full retail price of the device.

So what happens when you JUMP!? T-Mobile takes your existing payments and wipes the leftover payments clean. You start from scratch in a way. There’s no real discount on the new device other than the new customer price, and you’re going to again use whatever financing program T-Mobile has in action for the new iPhone. But what about your $332 that you’ve already spent? Well, you’ve spent it on a phone you no longer own, can’t offer to anyone else to use and will never see it again. This where the “starting over as a new customer” line comes into play. In other words you can’t sell the old phone to help pay for the new one.

At the six month period you’ll trade-in your existing iPhone 5 for the iPhone 5S/6/whatevernameApplecallsit and you’ll do it over all over again. Let’s just say for arguments sake that T-Mobile leaves the cost the same and you’ll spend another $332 over the second set of six months in a 12-month period. Now you’ve spent $664 dollars, or $14 more than the total retail value of a 16GB iPhone 5 at $649 and you still don’t own the phone yet.

So, I look at JUMP! in a way like leasing a car, if you want to look at a car as an investment than JUMP! probably isn’t the right path for you. However, if you don’t mind switching phones out every six months and don’t have any concerns about not literally “owning” each device than JUMP! may be exactly what you need.

Now, what happens if you don’t want to upgrade every six months but want to use JUMP! anyway? Let’s now say you’ve gone 10 months with the iPhone 5. Now you’ve spent $456 dollars toward the full price of the iPhone 5 when you consider 10 months at $10 for JUMP! = $100. Ten months of $21 monthly installments = $210 and then the $146 price for the down payment. BTW, I’m rounding up for arguments sake. Now you’re only $193 dollars away from what would be the total cost of the iPhone 5 at $649. Of course that number is boosted because of the extra $100 on JUMP! but the opportunity cost of JUMP! seems to be minimized the longer you wait to upgrade. If you wait longer than 10-12 months without upgrading than I would probably say to ignore JUMP! and keep on keeping on.

Now, I could do the math any number of ways and I could check the total cost of buying a phone outright, only one upgrade a year etc but I’ll let you guys handle the different scenarios. The bottom line is that no matter how you slice it, T-Mobile’s upgrade process still appears to be far less expensive than that of AT&T or Verizon if you chose to upgrade every six months with comparable service on either of the two giant carriers.

The real issue here seems to be at what point you take advantage of JUMP!, because in my eyes the earlier the better. As soon as the sixth or seventh month strikes on the calendar, upgrade, upgrade, upgrade. There’s a good chance something new will be on store shelves at that point anyway that might entice you. If you have no qualms about physically owning the device after making the monthly installment payments than JUMP! is for you.

T-Mobile’s real target here seems to be the early adopter, the influencers, the high-value customers that has long found the smartphone selection of AT&T and Verizon (and data speeds) far better than that of the number four carrier. Now that T-Mobile is doing something about the phone choices and the data speed and cost, they are turning their attention to winning back those customers and JUMP! may be the first in what appears to be many salvos geared toward doing exactly that. As T-Mobile CMO Mike Sievert wrote:

“One of the things that really bothers people about two-year upgrade cycles is if they’re an enthusiast of one of these lines, like the Galaxy line or the Sony line, they’ve got to generation skip. And people hate that.”

T-Mobile says JUMP! is listening to the customer and considering the negative feedback from both Verizon and AT&T customers upon learning their upgrade cycle was now 24 months was that of disdain. T-Mobile still has plenty of room for improvement when it comes to battling the coverage stigma which long been one of the biggest thorns in their side. Legere can take as many potshots as Sprint or AT&T as he wants, and companies like RootMetrics can show T-Mobile as gaining significant ground but until the end consumer sees it and tells their friends, there’s still the coverage elephant in the room. Even if T-Mobile were to win over these influencers, or even a minority part of them it might be small ground in terms of overall subscriber growth, but word of mouth from these folks will be worth its weight in gold. Will JUMP! be the conversion tool T-Mobile hopes it will be? Time will tell, but it’s definitely a step in the right direction for a carrier that wants to be the “UNcarrier.” How well it works for you is simply a matter of “when.”

Have you crunched the numbers for JUMP! on your own?


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  • Dakota

    the casual, average consumer doesn’t care about this. with an iPhone only being released once a year, its not a big deal either. especially since you got the latest iOS upgrade regardless. are you allowed to quit jump whenever you want? so can you do it for 6 months, get your new phone and then quit?

    • wtshaolin

      It’ll be worth it more for Android and WP fans in that case, as we can jump to the newest HTC, Samsung, even Sony (blech)

  • Dakota

    what condition does the phone have to be in? are there any limitations for example if its not working properly, if its scratched etc

    • dtam

      I think the fact that you have insurance covers scratches. although if it’s completely not working, I’m not sure if they make you pay the deductible also

      • Oompa Loompa

        Normal wear and tear, scratches, scuffs, mild dings, etc are not considered physical damage.

    • Matt_Reader

      They said during the announcement that if the phone has a cracked screen (they didn’t mention anything about scratches), visible water damage, and boots up. It qualifies as good condition. If it doesn’t mean their definition of good condition as above. You would pay the deductable, ranging from $20 to $170, then go buy your new phone on the program.

  • mchap87

    I have the HTC one. The insurance is 12$. I would be saving 2$ a month using Jump as an insurance option. My question is though, Can I still upgrade through a third party retailer? I bought the HTC for100$ including a 50$ gift card and no EIP. I would hate to give up that deal.

    • dtam

      You sound like you’re on the contract plans, I don’t think you can get on this unless you switch to the new plans

      • mchap87

        Yes I am on the contract plan. Oh well, I was gonna do it just for the insurance.

      • mikey

        You can get on this plan, all you have to do is get eip thru the tmobile directly, cannot use this with third party retailers as they do not do eip

        • mchap87

          So say if I’m on t he plan and my HTC breaks 6months from now. I have the choice of either upgrading to a newer phone by paying upfront fee and monthly EIP, or paying 175$ deductible to get a new HTC One. I’m guessing those are my only 2 options?

        • mikey

          If its a cracked screen or some damage where you have to pay the deductible you would still have to pay the deductible before you jump. You pay what you would to get a replacement device using insurance, then tmobile pays the remaining eip, then you can pay down payment on new device.

        • Oompa Loompa

          Good key point. You dont actually have to get the replacement device, just pay the deductible for damage and then do JUMP! all in the same visit in store.

        • thepanttherlady

          You have to be on the Simple Choice plans. OP is on a classic plan.

    • Bill Berry

      Like Wal-Mart! They tack on a 2 year contract which I say to myself, just how do they do that if one you’re not in one and two; once you’re month to month, how is that possible if there are no longer contracts and prior to the purchase you weren’t in one?

  • Jeff

    Excellent way to keep money rolling and collecting in advance, it is like Poncey scheme collect as much as possible from as many customers in advance…excellent business idea

    • Oompa Loompa

      I assume for you the dollar menu at mcdonalds is a pyramid scheme then?

  • greenonion

    If you lose a phone and replace it (say buy phone in July and lose it in October), does it count as a JUMP? Do you need to keep the replacement phone for 6 months (wait until April) before you upgrade? If not then it’s a pretty good deal if you can trade PHP replacement phones quickly.

    • mikey

      No it wouldn’t count as a jump but a insurance claim. Just like if you loose your device at 6 months and want to jump to a new one, you would still have to pay the $150 or whatever deductible followed by the down payment of the new phone.

  • Deihmos

    SO I can enroll and upgrade in 6 months. Interesting. This might cost T-Mobile some money.

    • mikey

      It won’t. They will make/ save money, easily. They charge $2 more per month for ppl with insurance, and its $10 more that people who saw no reason to have insurance before, but now want the ability to upgrade every 6 months will be paying now. And say someone breaks their phone, they have to pay the deductible to replace it, or to upgrade using eip they must pay the deductible for for phone since its broken still, then turn around and pay the down payment on the new phone. Either way tmobile still makes that money.

      And say you buy the new sony phone and have jump insurance. Six months from now Galaxy 5 comes out and you want it, but you dont have the $150 down to get it, your stuck with the same phone still, until you get the down payment needed. Some people might only upgrade once a year since a down payment is still required, which means tmobile only loses out on the eip payments for that phone for the last year, but thats only 240, which is less than most used premium phones would sale for being about a year or less old.

      Tmobile makes more the longer you choose to wait to upgrade, but someone upgrading every six months gets the better deal, while Tmobile still gets to ensure manufacturers that new devices are constantly being sold.

      • Bill Berry

        You never outright own the device; just like a car; no matter how you crunch the numbers; once paid off…it’s zero, you’re done!

        • mikey

          If you choose to pay and own it you can, but what’s the point of paying off a phone to own it, just so you can sell it and get a new one

      • orlando

        They are also making money by retaining people as customers even though they no longer do contracts as long as u owe on a phone you are stuck unless u decided to pay it off which would cost you more than a termination fee at most companies. Just think of it this way each time you trade in your phone its like extending your contract..smart.

  • Clarkkent113

    I’m a technology-fiend and I get bored with a phone within about 4-5 months (because usually something greater comes along in that timeframe anyway. So updating to the newest phone every 6 months is right up my ally.

    I’d pay the $10/month premium because it also includes insurance. That means I never have to worry about buying a case and worrying everytime I pull my phone out of my pocket. If I drop it “oh well.” Paying a deductible would suck but it’s about time I’m able to enjoy the sleekness and thinness of modern smartphones without the ugly cases.

  • scott

    JUMP is great as it not only gives you that opportunity to get the latest and greatest phone sooner but the $10 a month includes insurance, lifetime warranty, and mobile security! I’m paying $12 per month now for the premium protection and I’m not getting JUMP, so I’ll be saving money and have the opportunity for a new phone sooner! I love it!

    • Bill Berry

      I see your point and it’s a good one but those of us who outright buy the device…we don’t have a need for any of that. You’re literally leasing the device never to outright own it. It benefits those who in fact upgrade every six months to a year; but this strategy benefits those like me who sit on a device that has come out and with the next great device the price of the “older” devices will fall with the more rapid turnover.

  • Randall Lind

    What if nothing comes out in 6 months to a year I want? I owe $480 let say I pay it off in 6 months can’t I just buy a new phone since I am not on a contract?

    • mikey

      Yes you can choose to keep your phone and pay it off if you want to. Or trade it in every six months, year, or whenever you choose to or choose not to. But you have that option.

    • mr64

      Yes you can

  • David

    David i dont like the way in the article you put that for 10 months of Jump your paying a extra $100. But yet completely leaving out the fact that Jump comes with PHP Bundle. Which iphone customers are currently paying $11.99 for. So for those customers Jump LOWERS the bill.

  • AJ

    How do you sign up if you are already a Tmo customer?

    • SoloX

      I called customer service and it was added on both my lines I’m an existing customer.

  • Eric Hare

    Went to the website, don’t see a way to sign up…

  • mr64

    Why not use the present phone until you pay it off, no matter the time it takes? Then its yours to sell, then move to the next phone. You could trade 3,6,9,12 times a year if you really want.

  • mr64

    Remember that Van Halen song, might as well Jump?

  • Aaron Tillery

    only one problem i called TMOBILE today to add jump and was told its not provided in my state(NEW YORK) or others(Kansas,etc) like seriously? i guess they said its for insurance cause your paying on the phones anyone else here about that?

    • SoloX

      I enrolled in the jump program today. Its on both my lines in NYC

    • Oompa Loompa

      The old PHP used to be restricted in many states because state law restricting insuring things you are paying on installments. However, this is no longer the case with JUMP. Call back, talk to a manager if needed. As long as you currently have eip on your account AND PHP you can enroll.

      Many agents are unaware of this because the word did not come down that this restriction was no longer in effect until after launch.

  • AB87

    I just called to add Jump but they won’t let me add it unless I buy another phone at full price 1st. I just bought this one 3 months ago. I am done with this crap I am selling my phone on Craigslist and joining another carrier.

    • Classick

      Do a warranty exchange, then at the time of processing they can add jump. Wait three more months then you can Jump. Or leave to another carrier and pay more for less. Your call.

      • Oompa Loompa

        The 6 month wait period starts from when you add the feature, not get the phone, but still worth it. Not to mention that you still have to have EIP and PHP to enroll during the open enrollment period. If you dont have EIP already on your line there is no point in having JUMP since there is no EIP to pay off.

    • randpost

      why are you upset that they wont JUMP you in after owning a phone for 3 months? You are silly.

  • Nunya_dam

    Is the JUMP program really worth it?

  • AJ

    Apparantly this is what Tmobile emailed me about the Jump program if you’re already a customer…. “You’re welcome to enroll in JUMP during an upgrade, warranty exchange, or if you add a line with EIP.”

  • SoloX

    I signed up this morning for the jump program and I live in NYC.
    Its listed in my account. I put it on both my lines. Joined tmobile in april.

  • Bill Berry

    When the brain trust hatched this up did they say to themselves; who owns a phone longer than six months; anybody? Answer…yes, I do. I own a HD2 now four years old and it is flashed with Android 4.2.2; system and boot on nand and data on ext; 64GB card. Not bad for a relic!

    • mikey

      They probably figured that ppl usually get a new phone when they are up for an upgrade, and now since you make payments ppl try to pay phones off quicker to resell them just to buy a new phone, this makes it easier andquicker

  • JaswinderSinghJammu

    JUMP is a good option if you are the kind of person who is definitely going to upgrade every 6 months or if you happen to have a oh crap moment. Here is how I am looking at it $150 for the S4 down plus $20X6=$120 plus $10X6=$60 for insurance/jump. So far we are at $330 after 6 months. If you decide to keep the device for 1 yr you can add another $120 for payment and another $60 insurance/jump now you are at $510 (Almost the pull price of the phone). I don’t see why someone will not just pay off the device and sell it on craigslist instead of trading it for $300 towards the new phone

  • Chris Boyd

    I had the insurance on my phone (I’ve broken a phone before) at $11.99 a month for my Note 2. This was a no-brainer: reduce my bill by $2 a month AND get the JUMP! service. Just get the S5 out by January/February and I’ll be really happy.

  • blasphemeous

    this is also not fort those who aren’t qualified customers tho,because you’d have to have a higher down payment, twice, which would usually pay for the whole phone in a span of 6 months, so I took it off. yeah, i’m not a qualified customer.

  • :)

    Math is a little off Jump is $10 but that’s due to the insurance part of it. Insurance is $8. So really your only paying $2 to be on jump. Not bad of a deal to upgrade twice a year. :)

  • Happy

    I am a phone freak. I do like to have the best. I have been a happy T-Mobile customer for years. There might be something I am missing but T-Mobile’s recent changes seem to be a way to make more money the way I look at it. There latest no contract change you are forced to pay full price for a phone to save a little bit on their rate plan. This new idea you aren’t really only paying $10 a month to have the best phone available. Lets say the new phone you want has a $180 down payment and then $20 a month payment. Over the next 6 months you have made a $60 payment each month towards your nice new shiny phone. Then you get to turn it in towards a new phone and do the exact same thing over and over. You never own the phone and dump way more money into it than I think is practical.

    • Oompa Loompa

      Well when you consider you also get a discount on the bill that is usually at or more than the EIP cost, and you get trade in credits and eip payoff it really does save you money. Go with the old system, and upgrade your phone and pay the required data service and inflated costs, then also include in the fact that if you were to want to upgrade after six months you pay full cost for the phone with no EIP, no trade in, or any additional credit. Assume you kept doing this, as you suggest, and upgrade every six months. Assume you go with a mid range 400 dollar phone. You would upgrade once at a discount, which for most 400 dollar phones would be around 100 bucks, then you upgrade at 6, 12, and 18 months (the 24 month time would be a new discount. So in just a two year period you would upgrade three times at 400 bucks and once at 100 bucks. Thats 1300 dollars. Not to mention the inflated monthly service cost and the required data cost. Typically you spend at least 20 bucks more per month AT LEAST on the old plans, so if you add in the 20 per month for two years, thats 480 bucks. You bill for those upgrades just hit 1780 dollars. For a mid range phone.

      Take the same setup for a high end phone, like the iphone 5 or galaxy s 4. Assume 600 bucks for the cost of the phone. Subsidy around 200. That makes 200+(600*3)+480. That comes out to 2480 bucks at the minimum.

      Now lets take the high end phone for example, and put it on the JUMP! program. Assume the s4. 150 down, 20 a month. You dont pay the inflated or required costs for the price plan, so we already start off 480 bucks cheaper at least (if not more, some people save nearly `1000 of more with the lower plan costs). The lets assume same upgrade time frames. You pay 150 down, 20 a month for 5 months (the down payment counts as the 6th installment) so for the first six months you do 250. Then you do it all over again. The JUMP program pays off the eip and you do another down payment and eip for another 250, the 250 at 12 months and 250 at 18 months. Then include in the cost of JUMP which is 2 bucks more a month than normal PHP, so thats 48 bucks over 24 months. Essentially you pay; 48+(250*4) which comes out to 1048.

      So which would you rather pay? 2480 or 1048?



    • Erik Papesh

      Exactly! Plus with the new “high end” phones, insurance is 11.99 a month, but with JUMP! it is only 10 a month…No-brainer if you ask me.

      • AK

        Some credit cards, such as Wells Fargo Visa Platinum, offer free insurance as long as you setup automatic monthly payments for your cell phone billing. Only $25 deductible and covers up to $600. Most credit cards also have automatic extended warranties (90 days or longer) on electronics purchases. Most people are not aware and do not take advantage of these benefits. It’s like buying the extra insurance from the rental car agency, where you are already covered between your auto insurance and credit card benefit.

      • Brandon

        That’s one of the reasons right there why I did it!

  • Ivan858

    The article is spot on. The EIP balance that T-Mobile forgives is going to be a whole lot less than the market value of your phone. For an 16GB iPhone 5 you’ve put in $332 at month 6 and they will waive the $318 EIP balance when you jump. What you need to consider is that you are giving up a phone that will sell for $500+ on eBay and Amazon with minimal effort. So instead of paying full $649 and selling for $100 less on the market for a 6 month old phone, I should Jump! and take a $332 loss? No thanks. An EIP deal with Zero down, Zero interest, and a higher monthly payment would be fantastic for consumers. $27/mo x 24mo. T-Mobile get it together and offer more financing options

  • Oompa Loompa

    A few key points to keep in mind:

    *The six month wait period is ONE TIME ONLY, not every time. So if you buy the iphone 6 when it comes out, then turn around the next day and want to get a note 3 you can, without very paying anything more than the down payment. Which means instead of paying off the remaining, estimated, 480 bucks for your EIP then being able to do the new phone, you get to waive it off and pay only the next down payment. You are not even obligated to keep jump on the account. So you can use it once then remove it if you chose to, although for most early adopters it will benefit from keeping it on the account.

    *You cant factor in jump at the rate of 10 bucks a month. The jump program is actually CHEAPER than the old 11.99 insurance and released alongside the new insurance. So in a way JUMP! will save people money. Many customers are grandfathered into the 11.99 feature and not auto changed, and so JUMP! actually cuts their cost. Those who are going up in cost are only going up by 2 bucks a month. So in a year period its not costing you 120 bucks but only 24 bucks. BIG DIFFERENCE.

    *Also, eip doesnt start right away. Your down payment is technically one installment. If you do wait the first six months, you will only pay 5 installments in reality on top of the down payment.

    *While you “lease” in essence the phone, and don’t get to have it after you trade it in, many people never reuse old devices, so they just sit in a drawer or get sold. Customers have the option to trade in devices even without the JUMP! program, and get instant credit towards new devices, but JUMP! is essentially a guaranteed trade in. That way if you take your phone in and only owe 20 bucks left on EIP you can use the trade in amount instead which may be higher. Also, many of the eip payoffs offer more financial return than selling a device, with some exceptions.

    • thepanttherlady

      On your first key point, how does it make financial sense to purchase a phone then JUMP! to another before the return window has passed? Wouldn’t a restocking fee be less than the down payment + tax on another phone by upgrading so soon? Yes, I get the idea that that you can do it but why would a customer do that?

      • Oompa Loompa

        Well restocking fees are not charged in all case, and the return window is only 14 days. There are many cases in which customers buy a phone and then want to return it outside the buyers remorse period. They buy it for a gift two weeks before a birthday, or they have it shipped while they were out of town, or procrastinate, etc. So if you are, say, 18 days from original purchase date and cannot return the device, then you can use JUMP!. I know one person who went with his wife and both got new phones. She got the s3, I believe it was, and he got the iPhone 5 and absolutely hated it. He was unable to return it in time and did JUMP! so that in six months he could get something different and not have to pay off the entire iphone.

        • thepanttherlady

          I won’t worry about that being a complete waste of $ because it’s not mine. I’m more curious as how the 6 month waiting period for JUMP! was waived as the program was just announced this month.

          ETA: Never mind. It took me 3 tries to understand what you meant in your post. :/

          However, the other guy can sell the iPhone now for more than the $480 owed and not only cover the rest of the EIP but pay for most of the next down payment on a new phone. All without using his JUMP! option.

        • Oompa Loompa

          But the resell option is not always viable. Some phones are simply not resellable, or some people do not live in a big city where craigslist ads are answered in a heartbeat.

          Try posting a MyTouch Q up for sale. or an L9. Not many people are going to be knocking down your door for it.

          The L9 for example, sells used for around 150 bucks if people get what they are asking for it (and we all know they don’t always). That means you take a 90 dollar hit on the normal 240 retail price. Which EIP 10 bucks a month, down payment 0, and jump costing 12 bucks (at 2 per month) in that first 6 month wait period. You spend 12+50 (five installments will be paid, not 6)=62 bucks “lost” on phone for doing JUMP vs selling itself and maybe only losing 90 bucks, and by the time you get around to selling it you will be lucky to get 150 bucks for it.

          The assume some people wait weeks to resell a phone (Ive had one phone up for sale for 6 months before I stopped trying to sell it), Selling it is not guaranteed. You have to wait to get paid for the sale before you can reuse the funds again most of the time, If you dont get lucky and resell it for what is remaining on the EIP, then you still have to pay off the old EIP before setting a new one up, and more.

          JUMP! is not for everyone. But 12.5gb web is not for everyone, and hotspot tethering is not for everyone, and the iphone is not for everyone, and cell phones are not for everyone, etc.

          We can always find people for which JUMP! doesnt work. Its not that hard, but the people it does work for definitely save more money than the would otherwise. For some people it even saves them money just on the PHP cost even if they do not use the upgrade options.

        • Oompa Loompa

          Looking around, the pricing on the used iphone 5 is running around 300 bucks on average. Asking upwards of 550 for some models. Gazelle will give 300 bucks for like new, and new york’s craigslist is around 350, and ebay definitely varies wildly from cheap to expensive. However, assume that after 6 months the customer still have around 360 bucks remaining on EIP which means a 360 buck trade in vs potentially only a resell of 300 bucks.

          Now, under your example of reselling it right away and not waiting for JUMP for 6 months, the customer would still have 480 remaining on EIP, and would be lucky to get 500 bucks for resell. So would either break even, or likely only get closer to the 300 bucks the average sale price is, and have 180 bucks remaining that would come out of his pocket before he could do EIP again. Assume in that 6 months before jump took effect he would only pay 120 bucks at most towards eip and 12 to JUMP and be spending 132 bucks in total, he would save more money by using JUMP as well. So it could very easily go either way.

    • Danielle1121

      I have a question as far as the condition of the phone when you jump it. I wonder if the trade in value will be less if you have any scratches or cracks on the screen etc

  • Danielle1121

    I have a question as far as the condition of the phone when your ready to jump it. Will the trade off value be less if there are any scratches or cracks on the screen etc.

    • http://www.facebook.com/talula.belle Talula-Belle Megan Gumina

      It says if the screen us cracked they won’t take it, but scratches they should still take it

  • randpost

    After 6 months, can I just return the JUMP phone and not upgrade through T-Mobile? Lets say I wanted to get the Nexus 5 straight from Google.

  • Randy

    Too many people here are tards!

    First off, you own the phone the moment you sign the contract; you simply owe t-mobil money and will report to the evil credit people’s should you cancel and not pay. There is no phone repo man, lol. Second, the insurance alone is worth the price even when compared to other carriers. And if you paid full price and then drop your phone in the toilet next week, you are out even more money. This covers you in every way, for any scenario. Including the 10 per month and ignoring the other benefits is just plain silly. Crunch all the numbers you want, but i went with JUMP simply for the insurance….

    I just don’t see how most people don’t see the benefits to this.

    • http://www.facebook.com/talula.belle Talula-Belle Megan Gumina

      Yah except you’re not covered. If you lost, damaged or had your phone stolen you have to pay a $250 deductible just to get a crappy USED, DAMAGED, SCUFFED REFURBISHED PHONE that was in worse condition than the phone you already paid for once.

      • Jeff Henigan

        it’s actually 175$ Deductible and they ship out whatever they have, i got a brand new iphone 6 when mine was stolen