OK I have four phones covered by Esurranty and finally had to make a claim on a iPhone 6S with a cracked screen. Needless to say the claims process is quite cumbersome. After filling out the claims application online you are taken to another page to download claim forms that have to be filled out again along with a copy of your ID and a form for payment and email them with your claim number. After emailing all of this redundant stuff I waited over 48 hours for my representative to email me back. He told me that they could ship me a loaner phone for a $ 99 deposit while my phone was repaired. I emailed back stating I didn't need a loaner. Still no word yet on how to get my phone repaired. I finally took the phone to Apple repair station and had it fix for $129. Esurranty said they would reimburse me. They still deducted $75 after taxes to my credit card. Esurranty advertise that they are fast. Hardly! I will see if they send me my money or not. Needless to say I'm not to satisfied with their services.