I have insurance, USD 2.50 (two dollars 50cents) per month and then a deductible of USD50 for the replacement phone (for a Galaxy S5) . While they are getting the replacement ready I have a loaner of the same model for a week or so (I get the loaner the same day), all data transferred / backed up between changes if I want.
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Teathering plans, up to 7Gig / month (after that slows down to 1Mb/s), are included with my phone plan.... and I can teather it to my car navigation system via bluetooth for music, map updates, news and other things as of 3 years ago. I thought this would be standard everywhere by now.
Why no skype in Japan?
I see no such restriction after installing on 2 phones here in Tokyo....