Anyone who's received a replacement from Asurion who did NOT get a new battery, SD card, etc. should call them and look into it. Maybe you have a different plan than I do, but when I filled out my claim online, it ASKED me if I needed a new charger, etc., and informed me that it would definitely come with a new SD card and battery. Maybe that's because I dropped mine in the water?
Since my plan covers loss, I would have been covered to have a whole new phone sent to me, had I indicated that the phone was gone on my claim. I'm not sure, but the deductible might also have been the same. Is it possible people are being careless with the way they fill out these claims? If you make sure you fill it out properly, you should get everything you need.
As an added note, I filed my claim at 6pm and got my new phone in my hands at 5pm the next day without paying extra (nothing over the way too high deductible, that is!) Tell you something else... I'll be buying a waterproof case today.