As already mentioned, many people have stated that Ausurion and honestly most carrier insurance options are not the best option. For Apple devices AppleCare+ has always been the better choice but many didn't want to pay the upfront price to get it. So they opted for carrier options with monthly fees (not considering the long term cost actually being more). Then Best Buy started offering AppleCare with monthly payment options. Well now Apple offers the monthly option AND now offers theft and loss protection also. So at this point there is no excuse for feeling ripped off unless you opt to get any insurance (including AppleCare) without honestly reading and understanding all of the terms...not just what you were verbally told. Majority of the time the problem is there...consumers assume a salesperson that may not honestly be well trained in the product and works on a commission based salary will be able to give them 100% of the details involved verbally. Most admit that they don't read the paperwork (yes, getting it digitally is still getting it...even if you just don't bother to open it and read it). If they did they wouldn't be surprised later...they actually may rethink the decision and cancel immediately or not sign up for it if they did things the right way and advocated for themselves to make sure they truly got the correct info. This isn't meant to blame the customer...but it is meant to remind people that we do have to do our part to make sure we make informed decisions based on all available info versus relying on he said/she said. It's time consuming and yes, a lot of times salespeople will rush you. You have to take control and let them know you need time to review because after they complete your sale they aren't thinking about you anymore...but after the sale is completed YOU are the one that has to deal with the aftermath