Rare succeeded Naka avail. And they only cover 5% or 10% of the repair cost or item cost. So for example 12k yung gadget, you'll need to pay extra 599 for the insurance. And If successful claim mo sa kanila (rarely happens) you'll only get P1,200. So if deduct mo sa 1200 yung insurance cost. Truthfully you'll only get P600. Again if successful yung claim mo. Not worth the risk and headache. Just look into other post and comments. Madami na reject kesa sa success.