If people wouldn't replace there phones 10 times then the price wouldn't have gone up. As far as the op sorry to see this happened
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What's the point of insurance then? It's for those people who tend to have a lot more "Oops!" moments than others, or people who just want to be safe. Insurance is there for a reason, and you can only make 2 claims in a 12 month period.
If you already had insurance at 5.99/mo you are grandfathered in. If the rep told you that you HAVE to get the 7.99/mo insurance its because the reps are getting spiffs for selling the 7.99 insurance. Better check that out