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Very disappointed. I bought a item for 59.99$ and got the insurance on it incase anything happened since it was going to my 8 year old. I ended up needing to use it and I thought good thing I got the insurance. Well come to find out after paying the 35$ for insurance that they do not replace or fix the product that came broken in box instead they offered me my 59.99$ that I paid for it !! I would of never got the insurance if I knew this was the case. Waste of time. I bought this product cause my daughter wanted one and didn't even get to play with it and all I'm getting is my 59.99$ back. I rather the product be fixed then my money back. So in all I paid 95$ for a 60$ toy but guaranteed my 60$ back. Worst insurance.