I've been on the fence about this as well, and from what I can gather there are a few things to consider:
- Receive replacement device faster
- Covers lost or stolen phones
- Covers full water damage
- Replacement due to physical damage requires deductible of $100
- Replacement is refurbished and not new. Although most of the time these refurbished devices look brand new.
- Replacement device is same model. So if you broke your Evo3D you would get another Evo3D.
Best Buy Insurance
- Replacement due to physical damage doesn't require a deductible
- They try to fix your phone. If they can't fix it, then you will get a gift card for full retail of your phone, which you can use to buy a brand new replacement. In the case of the Evo3D, this would likely be $699. You can use this $699 for any other phone, meaning if you wanted something different then the Evo3D you can get whatever else you want.
- Replacement is either your phone they've fixed, or if they can't fix it's a brand new phone (no refurbished)
- Lengthy wait time for replacement. They send in your phone and give you a cheap loaner until it is fixed or they determine they can't fix. This can be 2-6 weeks you would have a cheapo loaner.
- Doesn't cover lost or stolen phones
- Doesn't cover full water damage
- Slightly more per month then Sprint's full coverage insurance
So overall, Sprint covers more things and you don't have to deal with a cheap loaner for potentially up to 6 weeks. Replacement will be the same model you had and will be refurbished, which could look new or could have some damage already. If replacing due to physical damage you have to pay deductible of $100.
Best Buy's insurance doesn't cover as much, but you don't have to pay a deductible to replace your phone. If they can't fix your phone, you get a card for the amount of your phone which you can use to get what ever phone you want (can be something else). Replacements are always brand new. You have to mail in your phone and wait for them to try and fix it first, they give you a cheap loaner phone to use in the meantime (definitely will NOT be close to the Evo3D that you'll need to use for up to 6 weeks).
I'm leaning towards Sprint's plan, but I'm on the fence as it would be nice to be able to get any other phone you want to get and not be limited to another Evo3D.