Thanks man. I am going to go ahead and do that one then. Hopefully none of my patients need anything overnight if I need a replacement phone sent to me since they have it to you next day assuming it isn't a weekend. It is also $3 cheaper than Best Buys coverage per month although BB's doesn't have a deductible. If it weren't for the fact that BB can't put my fiances work discount on our account when we are there and us having to go through the hassle of setting it up over the phone later on, I'd just do BB's because it would be the better deal if something did go wrong with the phone.
I don't know if anyone mentioned it yet (haven't read thru all 30+ pages since I checked the thread earlier) but SquareTrade offers a good cellphone warranty:
Android Warranty | Cell Phone Insurance Alternative | Mobile Phone Protection | SquareTrade Warranties
Square Trade is good, I have a policy on my netbook. However, for phones they do not cover theft and things like that and they also do not send you a phone to hold you over until yours is fixed (at least not to my knowledge).