3 of our phones had insurance, when we tried to replace a cracked screen it cost almost as much as without insurance. Phone not working deductible quoted was higher than plan read. I cancelled the insurance but Cricket still charged us. When I checked my account and called them on it they blamed me and did not own up to their mistake, later wanted to give me only $10 credit. They withdrew $42. after we had cancelled it. and only got User's recommendation: Buy your own unlocked phone and buy insurance for it, don't buy from them.