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Asuncion is easily the most all-inclusive insurer on this list, since they cover not only damage, but theft and loss. And they'll ship you a replacement phone the next business day after your claim is approved (or you can go to a store and pick one up in some cases). That's convenient.
Asuncion. Once your insurance claim is approved, you'll be told if Asuncion is electing to repair or replace the device, if it's the latter, they'll ship it out to you overnight. It may be new, or it may be refurbished. A phone charger, battery, and a SIM card will be included.
Verizon is free and exchanges defective phones at no charge but the Asuncion insurance requires a deductible to be paid for each replacement, for which you wouldn't use Asuncion unless you broke, lost or damaged the device. You get 2 claims per year on Asuncion.
Most of the time it only takes one to two days.
If the device was lost or stolen, the requirement to return the device does not apply. However, if the lost device is found, you should return it by using the readdressed prepaid return label included with the replacement device.
When you make a claim through Asuncion, they will blacklist the phone if you claim it has been lost or stolen. Only Asuncion will be able to remove it from the blacklist, Fido has no control over this.
Apple — Only sell refurbished phones for low prices. As for a replacement, they do NOT give you refurbished phones, nor are they new. The replacement phones specifically built for being used as replacements, meaning they are new.
Refurbished devices bought from Apple have a standard one-year warranty and are eligible for extended warranty. A replacement unit is just that — a service unit used to replace a device.
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