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Documentation you receive does not support what you are told you have purchased
on December 17, 2013
I can't rate the plan itself as I haven't used it (I haven't even received the merchandise I purchased it for yet) but when I received the plan conditions via email, the contract terms do NOT support what I thought I had purchased. In fact, there is an all-cap exclusion in the contract for accidental damage. In the "Protection Summary" under "What Isn't Covered", "Accidental Damage" is item #2. Admittedly, it does say there "Unless Accidental Coverage Benefit is purchased, we don't cover items that are accidentally damaged..." But I have nothing in writing that reassures me that what I paid for is what I will get if my camera is damaged. Where is the expected written proof from Assurant that I have an Accidental Protection plan with them?
I called Assurant and did get a very nice attendant on the phone (hence the 3 Stars--giving them the benefit of the doubt here since I haven't yet actually used their service but the customer service for my question was very good). She said she has gotten calls on this before, that it is confusing since they have many different plans, but she has my account listed in their computer as one that has accidental coverage. It still bothered me that the contract and email sent to me has no wording other than "2 year protection plan" which just sounds like simply an extended warranty, which is not what I intended to purchase. I don't want to seem un-trusting, but I told her it would be reassuring to me if they could send me something confirming that I bought what I thought I bought. She promised to send me an email confirming I have Accidental Damage coverage so it seems that is the best I can hope for.
I wanted to make this comment here to hopefully either save other people from a "Huh? What the..?" experience and also to encourage the company, and Amazon, to make their contract terms more specific to the actual plan being purchased.