If I have AppleCare how much is it to replace a lost or stolen phone

Hello JLsmoov,

I don't believe that the basic AppleCare+ covers lost phones:

AppleCare+ for iPhone

For lost phones, you need this:

About AppleCare+ with Theft and Loss claims

Also see:

If your iPhone, iPad, or iPod touch is lost or stolen

Good luck.

Unless you have AppleCare+ With Theft and loss Protection, you will have to pay full price.