My niece received a cellphone for her 13th birthday. 1.5 months later, it disappeared. For the last 3 months, her parents are on the hook for the billings of the last 3 months (3 yr contract).
I would recommend a pay-as-you-go/prepaid sorta thing. I wouldn't want to be on the hook for the rest of a long contract. Although, if you choose otherwise, it won't matter what network you go with if you are bracing for phone loss or damage. I used to be with Telus and got my phone wet. I just bought a pay-as-you go or w/e and replaced it with a 30$ or so hookup fee online. If you go with other providers such as rogers with a sim card, you'd have to get a new sim card. So its pretty much negligible.
Both telus and rogers will have family plans, if you are looking for a contract and deals in that sort of direction. You can always switch your telus prepaid minute contract for a monthly contract and hook it up to a family plan if you wish. I would suggest doing it online. The telus stores are privately owned and charge more for switching contracts. you can phone in or do it online for cheaper.
It really depends what you are looking for. I would go with a pay-as-you-go sort of deal just incase the phone is lost or extremely damaged. That way, you won't be on the hook for monthly billing for 3 yrs and can decide what you want to do for however long you want.
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