We have bought our last two phones at Sam’s Club and got the Square Trade insurance though Sam’s. $99.00
We have been very happy with the company.
Our daughter is a klutz with her phone and we have had to replace her phone three times. We even had a protective case for her phone.
They replace the phone with a used phone if they can but the phones we have gotten are like new.
The replacement phone cost you $25 dollars regardless of the new cost of the phone and arrives about two days after your report the loss.
You have to return your damaged phone in a paid shipping box on receipt of the replacement phone.