I was adviced by the cell phone store sell rep. to purchase this protection plan instead of the one with my cell company. He said this was the best and fadtest way to get a phone replaced if anything were to happen to my phone. I paid $49.00 for the yearly protection plan and come to find out that to file a claim for a phone I had to pay an extra $40.00 or they wouldn't honor my claim, also I get a refurbish phone which was not what I wa told when I bought the policy. I have paid the additinal $40.00 which makes it a total of $90.00 and I still don't have a cell phone, when I checked online to track my phoen it says it is on a backorder but I am not able to speak to a rep from their company to get a straight answere. This is the worse protection I have ever got for my cell phone. I will advised anyone thinking about this company to not fail into their scam practices.