Look at your terms and conditions when you get the phone. It tells you clearly in there what you're going to get as a replacement under warranty. No cell company is going to offer a new phone as a warranty replacement. Gripe all you want, nothing is going to change. The only exception is if you purchase the phone new and have an issue, you'll get a NIB (new in box) within the first 30 days once.
Speak for yourself...
I got the best damn insurance you could have on a phone...
10$ a month, My phone breaks they dont send me no refurbished crap, I get a gift card with 600$ and can purchase the same phone, another or just wait till a new phone comes out and purchase that...