Understandable how you can believe Telus changed the phone plan without your knowledge but, I assure you it is listed on the website what it covers. Basically since Device Protection and care came to Telus there have been several changes. It sounds like you had the original Device Protection for $7 which covered Lost/stolen as well as accidental damage and manufacturer warranty. However this had high service fees of $150 per incident. Telus than changed to Device Care and Device Care premium. Depending on the cost of your device you would pay $6/$7 for Device Care or $11/$12/$13 for premium. The device care covers accidental damage but not lost/stolen. Premium covers accidental damage as well as lost/stolen. The service fees vary from $80-$220 depending on the cost of the device you have. Neither the Device care nor premium are eligible for iphone devices. The old Device Protection you could keep monthly however if signing a new contract you would not have been able to keep this. It would have stated in your service agreement which insurance you had as well as the service terms are listed on the Telus.com website: http://www.telus.com/en/support/article/telus-device-care?eVar35=http://www.telus.com/en/support/art.... While understandable there may have been a miscommunication or you may not have read the service terms I'm sorry for your experience. 😞 If you contact Client care via *611 or Chat they can regenerate an email to you of your insurance service terms.