T-Mobile replacement?

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http://forum.xda-developers.com – I have insurance through "T-Mobile" and I have had to claim about 6 times throughout 3-4 years... sometimes near the end of a devices life span when they no longer have that decide they will offer a sideways replacement. I'm going to call today and initiate a claim due to my phone having a few problems not due to root. My question is Has anyone been through this process recently - and if so did they give you an option for another phone? Was it your only option? Thanks guys :) regardless I will let you all know what happened after I get off the phone with them this afternoon. (HowTos)