This is a must have for me. I've been using it to great effect for more than a decade.It doesn't say so, but this is actually an Amazon-backed product. That's important, because the old risk/scam was that the insurance company would go out of business.I've been buying this on my cameras for more than a decade and bought it four times. I've used it three times. The first time paid for the decade's worth.Most recently, I bought a nearly $4,000 camera for $128 (now $168). First (accidentally) without the associated insurance. I couldn't buy it after the fact, so I returned it and bought another with insurance -- I like it that much. I never bothered to register it with the company -- which wasn't a problem.One year and two weeks later, I wrecked the camera by accidentally running over it with a car. The camera was in pieces, with the flash connector, lens connector and battery door pulled off. However, the camera still worked. (The lens and flash were surprisingly undamaged).I called the number, gave them the info on the original email and my email. They said they would send me an email with a return label. They couldn't seem to send it to my personal domain (twice -- 10 minutes of jail mail to talk to a person this time). They have a restriction that allows to call only once a day for a label. The following day they failed to send successfully to my GMail address. The following day they elevated it and they sent me the label.I mailed the camera pieces out, and they acknowledged receipt a day or two later by phone. They told me it would take about a week to repair.A week later, they called me and said that the camera was damaged in transit (WTF? No, it wasn't, but whatever), and they would just refund my purchase price. Normally, this is done by Amazon Gift card, but the amount was too large, so they said they would send a check. I ordered another brand new camera with 3 year accident protection the same day. The downside is that I had to pay the tax. The upside is that I got to keep the accessories, and get the 5% cash back from the new Amazon credit card purchase.Three days later, they sent an email saying the check was in the mail.Note that some reviewers have complained that they lost almost two weeks waiting for delivery. This isn't true. A careful read of the terms indicates that the warranty is actually good for three years and two weeks.If I had it to do over (and I probably will, because I'm hard on equipment), I'd work harder to get around the "one call per day" for the label issue. The check arrived the following day via FedEx Overnight.Not only would I buy this again, I already have.