The previous reviewers are absolutely correct in their claims against NCOA (www.joinncoa.net). I had purchased my plan through Letstalk.com and had only wished I'd known what sort of insurance I was purchasing, or had seen these reviews in advance. I filed a claim over 3 weeks ago and have received few details regarding the phone I seemingly sent to the great beyond. This is well beyond their advertised claim of an average turnover time of 5 days. Customer response-service has been non-existent, as I've left over a dozen voicemail... read full review »