I have been paying for iPhone insurance since 2019. I called Asurion to get help with a problem. The battery met the threshold for being replaced & the charge port was clogged. The very nice lady said my only choice was to buy a new phone. For $250, she was going to give me the same phone I have. She would not put in for repair. After 40 minutes, I had to hang up (after she tried to sell me additional insurance). I then went online to submit a request. Got it immediately. Went to repair shop - constant stream of customers. Said 1-2 hours, 3 hours later, I have a (hopefully) fixed phone.