Damaged my phone Z Fold 4 phone while on a business trip beyond use or repair. I hesitated purchasing the insurance when I got my new phone, but I am so glad I did. I thought the claim process was going to be challenging, but to my surprise, it was very easy - and fast. I submitted the claim online while still on my business trip, and 3 days later when I returned home the new phone was already delivered. Don't hesitate to get the insurance - it is well worth the money!