This is one of the worst companies ever! Scam is correct. I have been paying for insurance for my phones for years. I finally had to use it because I lost my phone and they kept finding a way to continue to deny my claim. I was without a phone for over a week because they kept stringing me along until I finally just went to att and bought a new phone. You will have to explain your story to someone every time you call in, no one leaves notes on your claim, they don’t inform you if they need something from you, they just deny the claim. Then after all the headache every agent you talk to tries to sell you the same BS insurance for your appliances in your home. No thank you. I hate I have to give them one star.