This company is a scam.Do not participate in their insurance program.You will pay for years and when you make your claim.You will get the run round for months with no resolution to your problem that you've paid for years. I made a claim after having this insurance 8 years And I got an email telling me that my phone was back ordered, I waited 3 to 5 days, call them back To be told there was a glitch in the system and my claim wasn't filed although they took my Deductible immediately out of my bank account when they said they weren't going to take it out until my replacement phone shipped. After my second call I was told I would have to wait 3 to 5 days. After my second call, I waited the 3 to 5 days with no phone again.I called they told me it would take 5 to 10 Business days and yet again, no phone. After the next call, they told me that they could not get my phone because it was obsolete and that they were going to, give me a one time courtesy and give me market value and that my check would arrive within 3 to 5 business days. After the 3 to 5 business days came and went. No, check. I called them again and they told me they'll call me the next day with a tracking number. I was upset a demanding answers, they put me hold without saying a word then hung up on me. We're waiting to see. I'm at the point where I'm going to file fraud charges against them if I don't receive a check the next day. I advise don't use them. Nobody knows what they're doing there and nobody can give you answers.