I have heard of people with broken iPhone 4's that bring them in and Apple offers them a replacement for $199. Can you do this at any time? I am just wondering because I am deciding whether to buy a squaretrade warranty. I've had multiple iPhones/iPods but have never broken any of them, but if Apple does offer replacements at $199 it seems Squaretrade isn't that great of a deal... Say I drop my iPhone: ST is $99 + $50 deductible = $149 + have to wait on ST for replacement check vs Apple $199 get a refurb replacement in the store. It seems like I would be better off saving $99 and going without the warranty knowing that I can get a replacement phone for $199 in the case that I broke my iPhone. I could save $50 by using ST, but I also lose $100 if I don't break my phone. Is there something I am missing? Does Apple's $199 replacement program only apply in certain cases?