I currently pay the $6.99 a month and have since I bought my iPhone 5 last year .... I am having an issue with my battery and it Will Not keep a charge. It's like 60 or 80 bucks to get a new battery at the Apple store out of warranty. SO ... I pay $6.99 for this thing and want to use it since I've pain in like almost $100 towards this insurance so far. So when I file a claim do they just send me a new phone? do I need to send this one back? I know I have to pay like $199 deductible .... I hope they wouldn't expect my phone back and then me pay a 200 buck charge (I could sell this phone as parts and make at least half that money back I would think). Anyone use this or know exactly how it works? Thanks for any info you can provide or let me know if there is a thread that can answer my question here somewhere. Thanks so much.