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I purchased this coverage knowing there was a $150 deductible. What I did not know was that my three week old Android Turbo would be replaced with a refurbished model. And, that I would have to do all the data and file transfers from my phone (with a broken screen) to the "new" refurbished phone myself. When I walked up to the Geek Squad counter, the young geek handed me some papers with a web address, some instructions and basically said your on your own. Gee, Thanks a lot!