DO NOT GET THEIR PHONE INSURANCE. It is not as advertised. They charge you $15 a month for next day phone replacement (you have to pay $125 for this) but the whole process is not simple. YOU WILL CALL THEM EVERYDAY FOR A WEEK. And still not be sure if you will get a replacement. NOT AT ALL 1-2 DAYS.
They say less than $30 for cracked screen repair, but if they see any minor blemishes on the phone - even aesthetic scratches, they will refuse to fix your phone and only charge the $125 replacement which you will have to handle for a whole week.
DO NOT GET THIS SERVICE. Best to buy a phone through amazon, they have free cracked screen repair. Or find other phone insurance. If you have any suggestions, please let me know. I need to change my service.