When I ordered my 5 through AT&T there was no option for Applecare+. I used my AmEx so the phone would have double the warranty period. I've never used the AmEx warranty but have heard good things about them. However, I got to thinking if something did happen to the phone would they reimburse the $199 purchase price or the full price we would have to pay to replace it without an upgrade. Anyone have any experience with having their iPhone replaced by AmEx?