I have been paying for this insurance for almost 20 years with very few claims. I broke her phone and they have failed to deliver not once not twice but three times. The gentleman Andy I spoke to on the phone was a complete dick. As professional as I can be I kept my composure to the best of my nature.I will be sure to share this with my company who stretches across the United States. After they failed to deliver my phone last night they offered to ship it. After the shipping was delayed and another phone call they stated they would bring me the phone between 7 and 9 PM tonight. After waiting my time for an hour on hold after being hung up on twice, I got a jack ass on the phone. Still no phone and work is going to suffer from this.