It's lost and I'm not sure if it's included in the warranty.
Every iphone has a one year warranty according to the website, does that mean anything? does that include the replacement of my lost iphone because i'm not sure.

Sorry , but I'd doubt it.

only if you have insurance, if not you have no hope

No.
It has to be broken to replace it.
In your case, it wouldn't be replacing, just giving you another.
You need the reciept, the iPhone itself, and it has to have malfuncuned or have been broken.
You should've been careful w/ something that's $399 USD and $60 USD a month just for a plan, not inculding calls or anything.

Unless you have insured the phone is some other way, no one will cover it.

No, they don't repair, that is just how Apple is, if your phone has warranty then maybe you could have a chance. But Apple probably won't do that, because they really don't! You will probably end up buying a new iPhone.

Good Luck!!