So what do most folks do when they're on the Upgrade Program to insure against lost/stolen since AppleCare doesn't cover that? I'd jump on this in a heartbeat if they had some simple insurance program. If you get an iphone thru the program - can you still purchase insurance through your carrier? This seems pretty convoluted - buy through apple which is really taking out a loan from Citizen's one then find some third party insurance? I wasn't going to worry about it - but then - on a total side note - we stopped our pet insurance since we never used it and a month later our dog rang up over 1400 in bills - boom!~ so yea - need insurance.