I'm in the US. I bought the insurance when I bought a OnePlus 3 in November. Here in April, I dropped the phone and broke the glass. I called expecting to get a replacement phone next day, but was told they don't have any phones in inventory. I asked if I could get a 3T. The response, we don't have any phones in inventory. They will send me a check in 2 business days. This was Friday, Wednesday the check arrives, another 2 days waiting for it to clear my bank. I paid $399.00 for the phone and $80.00 for the insurance. The check was only for $324.00. I understand prorated insurance but ... $75.00 loss on the phone along with the $80.00 that now seems to be a waste. I'm out $155.00.
I bought a junker phone in the interim.
I tried to get my phone repaired. I'm told the replacement glass is $41.00 plus labor and shipping. I asked about their labor rate and where the phone was getting shipped to. Their response was that the glass is now $69.00 and they don't have any information about labor rate or shipping. I'm not sure I want to send the phone back to China and then get told labor and shipping is going to be $200 or whatever they decide to make up. After repeated requests, I still don't know how much this is going to cost.
NOT HAPPY!