I have a verizon phone with wireless protection plan and have been paying insurance for years and years on 4 phones. I dropped my phone and asurion refused to pay because they said it was a manufacturer defect and they hadn't even seen the phone!
I submitted an online claim and when I hit submit it posted a message saying that I'm not covered. Its not a manufacturer defect, I dropped it.
The case came off, the phone back came off and now it doesn't work. I pay verizon an arm and a leg and have paid insurance fees of more than $30 a month for years.....If you need your phone replaced you better lose it.