I'm honestly convinced that this service is a scam. I have been trying to complete a claim for my phone for over two weeks now, and I am beyond frustrated. After being on hold for hours and hours and constantly communicating with the representatives, they finally said that my replacement device was out for delivery. OF COURSE, once the device was in my city (according to UPS tracking system), there was a "return to sender request" for no explained reason. I called Asurion and they stated that their system automatically canceled my claim, when I persisted in asking why this occurred, they could give me no answer. So, here we are again, filing yet another claim that I'm sure will result similarly. I pay so much money for this insurance system, and I regret not investing in some other form of insurance besides Asurion. THEY ARE SO UNHELPFUL, INEFFICIENT, AND INCOMPETENT. DO NOT WASTE YOUR MONEY!! Buy AppleCare or insurance through BestBuy or something instead. I cannot express enough how much this company wastes your time and money.