If I can rate ZERO, I would. They charged me 2 months for an account that was already closed. They give you the run around for refund until you give up asking for the money back. This is a million dollar company who can't be bothered to return $33 that is rightfully mine. I have called for a refund since August and I know I should have already given up because it's a small amount but it's the principle of protecting and standing up as a consumer. If your cell phone provider offers this company to cover cell phone damages - DO NOT ACCEPT! You're better off researching others.