You can still buy square trade!
I had my phone for 10 days before I cracked the screen.
I bought square trade insurance after I cracked the screen.
http://www.squaretrade.com/free you get 1 month free of protection
I waited 5 days and then filed a claim over the phone.
50$ deductible, I went to genius bar and had the phone replaced for $269. Squaretrade reimbursed me the $269-50 for deductible.
That's insurance fraud homie !