Actually, I should give this company a 5 for tenacity. I bought this 5 year gilt-edged warranty. last night. This morning I awoke with buyer's remorse, realizing that I could afford to spend this money right now. I called their 24 hour service and God help me, I've never been exposed to such high-powered efforts to stop me from doing this. They very cleverly tell you when you call the number you've been given, that someone from that department will have to call you back. By 2 PM, still no call, so I call them back and ask them for the cancellation dept. After they put you on hold for some time, you get the most persistent keep you at all cost, sales person you'll ever encounter. Boy, she can sell. I wound up losing my temper and shouting (perhaps because I seemed to be dealing with a deaf person). I am now told that they are cancelling me but it will take 5 to 7 business days to get my refund.. I hope this is true! I am not here to say their warranty is either good or bad. Have no way of knowing. However, I will say, their sales people are formidable.