Why is there a $175 deductible to replace my iPhone 5s on T-Mobile?

I have the JUMP! Program for insurance. In this program, T-Mobile's website states that you can replace your device for free, so long as you file a damage report.
Accidental damage is included.

If it's "free," why the $175 deductible?! That's pricy for a deductible…

They tried to trick you into thinking that you could replace your phone for free, but under the terms, it does have a $175 deductible.

  • Will T-Mobile replace my iPhone? I just got a replacement iPhone 6 and IIm paying the monthly insurance thing(5 bucks I think) and I read that the replacement iPhone has 6 month warranty. I accidentally dropped my iPhone a few days after it arrived and the screen cracked. Will T-Mobile be able to replace the phone without any major fees? Is there anything I can tell them so they won't charge me like 200 bucks? For example if I tell them the battery drains too quick or that it keeps freezing?
  • Will T-Mobile replace my iPhone? - 1 I just got a replacement iPhone 6 and IIm paying the monthly insurance thing(5 bucks I think) and I read that the replacement iPhone has 6 month warranty. I accidentally dropped my iPhone a few days after it arrived and the screen cracked. Will T-Mobile be able to replace the phone without the $175 deductible? What are my options?
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