We examine how the universality of two-nucleon interactions evolved using similarity renormalization group (SRG) transformations correlates with T-matrix equivalence, with the ultimate goal of gaining insight into universality for three-nucleon forces. With sufficient running of the SRG flow equations, the low-energy matrix elements of different realistic potentials evolve to a universal form. Because these potentials are fit to low-energy data, they are (approximately) phase equivalent only up to a certain energy, and we find universality in evolved potentials up to the corresponding momentum. More generally we find universality in local energy regions, reflecting a local decoupling by the SRG. The further requirements for universality in evolved potential matrix elements are explored using two simple alternative potentials. We see evidence that in addition to predicting the same observables, common long-range potentials (i.e., explicit pion physics) is required for universality in the potential matrix elements after SRG flow. In agreement with observations made previously for V low k evolution, regions of universal potential matrix elements are restricted to where half-on-shell T-matrix equivalence holds.