A few months ago DW and I bought new iPhones (3GS) and, given my history of ruining phones by getting them wet by taking them in the pool, etc, (which DW loves to comment on
), I declined the AppleCare warranty. They don't cover wet phones. Instead I got a Square Trade warranty for cheaper than Apple Care, hoping I would never have to use it. As it turned out I didn't get my phone wet, but DW did from wine (no comments allowed
So, with trepidation I approached Square Trade and, much to my surprise, they were downright courteous and speedy with the claim. I only had to pay a $50 deductible, go to the Apple store to replace the phone for $199, fax ST a receipt, and got a check for $199 within a week.
So, if anyone is as careless with their phone as I am, I recommend Square Trade.