No phone replacement or repair
I basically spend $11 dollars per month on phone insurance. When my daughter lost her phone the insurance replaced the phone with a broken one that would not charge. It never fired up. The Sprint repair shop, said it was due and offered to replace. It was supposed to take the a few days but still no telephone after a week. They really could care less as long as they are getting your money and they are completely unapologetic about it.