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Insurance claim or just upgrade phone?

I have a 5s iphone that is damaged and I'm not due for an upgrade until next January.  I would have to pay $150 to get my phone replaced through the insurance, but I would really rather get a 6s.  Since I'm not yet due for an upgrade, am I stuck just replacing the 5s until I'm eligible for the upgrade?  How would it work if I did switch my phone out for a 6s?  Thx

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Re: Insurance claim or just upgrade phone?
Customer Support

I want you to have a working phone at all times. Hopefully, I can help you make a good choice. If you are planning on trading in your phone, you will need to get the device replaced  through insurance first.

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