As an team lead in a Best Buy Mobile, we do not charge any deductible on any phones purchased with the Geek Squad Protection Plan. We will swap out your phone with a refurbished phone within a few days depending on what model of phone you purchased. Newer phones will and can take a few weeks (note 2, gs3, rotten fruits, Optimus) to receive a different phone. We can also if you choose too, send your phone for repairs, which will also take time. With the GSP, we offer our geek squad app which has locked and found, which is an app that allows you to lock and wipe your phone from any computer. It also allows you to snap an incognito photo from front camera and gps track your phone and sound an alarm that can be turned off with a custom pin number. I challenge anyone to find and protection plan that is better and gives loaner phones without deductibles for any damage caused.
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