Asurion is the biggest PITA that I've ever encountered. Plus the $50 (or $80 to replace some smart phones) in addition to the $8 /month is crap, especially when they send you a refurbished phone.
On my last upgrade (9630 to 9650) I kept the old 9630 and canceled the insurance on both the wife's and my phones. I paid $30 more for a 1 year contract to get the 9650. I now save the $16/month on insurance, have my old Tour as a spare should either of our phones go missing or get damaged, plus get an upgrade discount every 10 months.
The money I was paying for insurance now goes into a kitty for a new phone, and by the time 12 months go by, the new phone is, in essence, free.