Do not accept this rip off!!! I've had my account 20 yrs , got this for the screen replacement clause in case of cracked screen! Do not believe the $29 replacement, it's a lie! My wife screen cracked on her Samsung s 20,phone still works fine otherwise. Instead of screen replacement they will offer you a junk replacement phone for $99 deductible and tell you ,you have no other option! Been paying $18 a month well over a year with no claims! Gonna cancel it on all other devices,I am not giving away no more of my money to this dumpster! Fare Warning!!! Rip off!!!