This insurance is like a cancer that won't go away. I have tried to cancel it and it keeps coming back! Every month I get charged 7.99 and 9.99 for two phones that I have canceled months ago with Verizon. I have contacted the 1-800 numbers, submitted complaints and even have email correspondence that the insurance will be cancelled and my money refunded...but the charges keep coming back! I would highly discourage anyone from using the company EVER. You will never get rid of these insurance charges. I am thinking that I will have to completely close my credit card down and get a new one for these charges to stop.