This is the worst insurance ever. They charge you $20 an month. Totally $240 yearly. I had no damage to the phone. However it would not allow me to receive calls randomly. They refused to wave my deductible, of $275. Which means I am still paying $515 for a phone Not a new phone!! Because Carla the tech. Could not assure me I would receive a new phone. So recap!!! Could not assure I would get a new phone. Could not get the color I originally had. Could not get an upgrade. Payed $515. Keep in mind I had no damage to this phone . It just randomly started dismissing calls. This insurance is worthless!!