I purchased Worry No More Gold coverage for my outdoor furniture set in June 2010. This was to cover a $ 2, 800.00 patio set. I was told that it covered me in full, for full replacement or repair, for my entire set. My 11 foot umbrella cracked in half recently. Not even used a year. Macy's had the nerve to offer me $ 45 dollars under their plan. I told Macy's that a new 11 foot umbrella is at least $ 300.00, so this is not full replacement. They told me since the original $ 2, 800 set included a 9 foot umbrella as part of the package... read full review »