Just had my phone stolen yesterday, and have had an Asurian basic replacement policy for years.  Replacing the phone was no problem, it's coming today, but was advised by Verizon that the Mobile Recovery app is only available with the Asurion "Total Equipment Policy" option, which must be purchased within 30 days of the original delivery.  I'm thus unable to upgrade the Asurion policy in order to use the mobile recovery app on the new (replacement) phone.  That really sucks.