I visited a Go Wireless outlet in Burley Idaho (didn't know I wasn't dealing with Verizon) to see about my phone which had a failing battery and referred to my insurance. I was told by Jesus A. that my insurance didn't cover that, had in fact "expired" anyway, even though I was still paying monthly on it, and agreed that it was a ripoff to keep getting charged for insurance that won't cover anything, and went about selling me a new phone. I immediately had him cancell the "worthless" insurance. I was later informed that I had probably been suckered so I called Verizon. They informed me that my insurance was valid up to the day I cancelled it, that it would have most assuredly provided me with a new one, and apologised, saying that "Only those non Verizon stores do that, and we can't do much about it at this point, but we want to know when such things occurr".. I want to complain further but am weighing further aggravation against taking the hit and moving on. Rip Off! User's recommendation: Only go to Verizon corporate stores.