I signed up just last month and then…
I signed up just last month and then dropped my phone and cracked my screen. I reported my claim but they were closed, they responded the very next day. The process was quicker then expected (from drop to reimbursement about 2 weeks) and they were great about anwsering my emails. It would be better if they could pay the repair facility's directly so that I didn't have to pay out of pocket and wait for reimbursement, that's the only downside, they also dont pay the taxes and theres the deductible. Either way I saved a ton of money, with the cost of repairs it just makes sense to have this insurance.