All Verizon phones capable of accepting a SIM card ship with one. If a replacement is necessary, a free SIM card is ordered through customer service or obtained by visiting a Verizon store.
Only a company-owned Verizon store guarantees a free SIM replacement. Authorized third-party retailers are permitted to charge for replacement SIM cards, including authorized retailers that carry Verizon store branding.
Not all Verizon phones accept SIM cards. Only 4G LTE-compatible phones accept them. Older phones use Verizon's 3G network, which is built on an incompatible standard. This is a physical difference in the devices, and there is no way to adapt a Verizon 3G phone to accept a SIM card.