I was actually in a position where I needed to use my Sprint cellphone insurance. I thought I had lost my phone, and needed a new one anyway because the touchscreen was all beaten up.
I've been a Sprint customer for more than 8 years, and specifically purchased insurance with my cell because of the touchscreen.
Turns out, if you need to use the insurance there is a $100 deductible. You also have to wait for them to ship it to you, and there is no guarantee that the phone will be new.
You can get an iPhone for $99 these days.
What a joke. I found my phone, canceled the insurance and will probably just *** the bullet & buy a new phone once I can't deal with the touchscreen issue any longer.
Don't waste your money on Sprint insurance.