This seems to be more for people that don't have insurance. Their FAQ says they don't pay insurance deductibles and they also don't pay for anything insurance covers.
I guess if one felt that insurance didn't meet their needs, this could make up the difference? I'll bookmark it for the future. Thanks!
There is just so much Chinese junk on Amazon. I tend to stay away from most electronics on there unless they are brand name and it says it's sold by the actual manufacturer.