Thank you for including the deductible amount with the premium price. When you include the deductible cost with the premium you see what a terrible idea these plans are if you're the buyer. At $138, assuming one covered loss in two years, compared to a $349 retail price (often discounted,) the value is lacking. If you're someone prone to breakage, have a physical job, or engage in extreme or intense exercise these aren't the devices for you. They're held together with glue instead of screws. The more durable or repairable devices have a higher purchase price.