That's because it's a HUGE scam. They send you a refurbished phone that's less than what you've paid in premiums since you got it on a contract renewal. I don't bother with phone insurance. At least not what carriers here offer. There's caps on replacement, always a refurb, a deductible, and the monthly cost. You could get a newer, better, device for what you pay in insurance on a phone. The 3 big wireless scams are texting, data, and insurance.