Broke the glass on the back of my phone, put a claim in with them. They responded they approved my claim. Went to asurion to fix my phone which they did a nice job. It was 120 to fix it. I sent the receipt and they responded that there would be a 99 dollar deductible on a 120 dollar repair, makes no sense at all. Tried to give a great deal of giving a 25.00 credit for future claims instead of sending me the measly 20.75 to my PayPal. They advertise deductibles ranging from 29.00 - 99. I would think a 120 repair wound fall under the 29.00 dollar deductible range, not 99.00. Feel like a total rip off and do not recommend them at all!