Purchased this extended warranty for a kids toy (retro gaming system) under $40. I figured if something happened to it I would just get sent another cheap toy to replace it. After filing out a claim, these people want me to have a repair facility repair it and they will reimburse me. It's a cheap kids toy from China and no one is going to fix it as it's a hardware issue. Anyways tried chat w zero help. I wouldn't suggest spending your money on this warranty.