I lost my airpods and have insurance how do i replace?

What insurance?

If you have a 3rd party Insurance, then you contact them for the process to file a claim with them. Apple would have nothing to do with that.

If you are referring to Apple Care+ for AirPods it is not insurance and as such does not offer Loss or Theft coverage. Only coverage for Manufacturing defects and repair as a warranty extension.

If you have Apple Care+ with Theft and Loss for iPhone, it only covers the associated iPhone, not any accessories purchased separately.

nanaaa241 Said:

"I lost my airpods and have insurance how do i replace?"

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Clarify "Insurance":

What do you be mean "Insurance"? Do you mean a protection plan or sorts?

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Troubleshooting Lost AirPods:

Start Here: How to Find your Lost AirPods - Apple Support

Finding These:

They will not show unless connected and have power. If findable, they will show up a few moments time, and in a general location(no always precise). Once located, here is whom to contact:

Feasible Places to Look:

• HOME: Ask someone around (family or whomever) if they've come across it. For me, it was underneath the pillow on the couch, this morning.
• ELSEWHERE: If you were to go somewhere - call and ask if they’ve been come across. Typically, a cafe, or a library.
• BACKPACK: See if you have it in your backpack (or what have you). Maybe it lays in there?