It's an agreement that provides coverage for your product beyond any standard manufacturer's Protection Plan, or it covers specific issues not typically included (like accidental damage, if that option was purchased). It generally covers failures due to defects in materials or workmanship during normal use and may cover failures from power surges (if specific conditions are met, like using a surge protector).

Coverage typically begins after any manufacturer or retailer Protection Plan expires. If no other Protection Plan exists, or if the plan was purchased separately after you received the product, there might be a Waiting Period (e.g., 30 days) from the plan purchase date before coverage becomes active. Check your specific plan documents. Claims filed during a waiting period are usually not covered.

The base plan usually covers failures from defects in materials or workmanship during normal use and potentially power surge failures.

• If you purchased Enhanced Coverage (like Accidental Damage, Battery coverage, Commercial Use coverage), specific additional protections apply as outlined in your plan documentation. Coverage might also vary depending on the product category (e.g., specific terms for jewelry, electronics, or appliances).

Only if you specifically purchased Accidental Damage from Handling (ADH) or similar coverage as part of your plan. This will be clearly stated in your plan documentation. If you didn't purchase this specific coverage, accidental damage is typically not covered by a standard plan.

• Pre-existing conditions (issues present before the plan's coverage term starts, including during any waiting period).
• Damage already covered by a manufacturer/retailer Protection Plan, recall, or another Protection Plan policy.
• Cosmetic damage (scratches, dents) that doesn't affect the product's function.
• Damage resulting from abuse, misuse, neglect, improper installation, unauthorized repairs, or external causes like fire, flood, insects, or theft.
• Normal wear and tear (unless the plan specifically states it covers certain wear-and-tear items).
• Consumable items like batteries (unless specific battery coverage was included) or light bulbs.
• Loss or theft of the product.

• You typically need to contact the Plan Provider or Administrator directly using the methods outlined in your plan documents (e.g., phone number, website, email).
• Important: Do not return the product to the retailer or get unauthorized repairs without first contacting the plan provider and receiving instructions.

At the plan provider's discretion, they will typically arrange one of the following:

• Authorize a repair (which could be on-site, mail-in, or at a local authorized facility).
• Replace your product with a new or refurbished one of similar kind, quality, and functionality.
• Provide a financial settlement (like a check, store credit, or gift card) based on the product's value, up to the original purchase price.

There is usually a Limit of Liability, which is often the original Purchase Price you paid for the covered product. The total value of all repairs and replacements cannot exceed this limit. Once the limit is reached (through paid claims, replacement, or settlement), the plan coverage typically ends.

Yes, plans are usually cancellable. Contact the provider using the method specified in your documents.

• Cancellation within a certain period (e.g., 30 or 60 days) from purchase, if no claims have been filed, often results in a full refund.
• Cancellation after that period (or if a claim has been filed) typically results in a pro-rata refund based on the time remaining, possibly minus any claims paid and potentially less an administrative fee (check your specific plan for details and amounts, as these vary and are subject to state regulations).

Many plans are transferable. The original purchaser usually needs to notify the plan provider of the transfer and provide the new owner's contact information. Check your specific plan documents for the exact procedure and any limitations.

Some plans require a deductible per claim, while others do not. You must check your specific plan documentation or coverage confirmation to see if a deductible applies to your plan and, if so, how much it is.