Bought a new google pixel 3 phone and few months ago and got the insurance. My phone stopped ringing so I took it back to the store.They couldn't fix it so they called and got a replacement. Sounds good except the replacement is a refurbished and I am still paying on a new phone. I was never told my replacement would be a refurbished when I got the insurance. Nobody reads tons of paperwork wat checkout. I was simply told I would get a replacement. You just assume if you re paying on a new one, you would get a new one. I don't care if it's been inspected. Verizon is charging me for something I don't have anymore. Not at all happy. I'll never buy directly from verizon again. I could see if my phone was old or I wasn't paying on it anymore. I don;t understand how you can keep billing someone the price of a new phone when you are replacing it with an old one. I have been a Verizon customer for years but it may be time to change. So disappointed!