Hello, IncRnd, Thanks for the note! Sorry to hear about your situation with the national carrier. Unfortunately, we hear these stories all too often. To answe

Hello, IncRnd, Thanks for the note! Sorry to hear about your situation with the national carrier. Unfortunately, we hear these stories all too often. To answer your question, First, Upsie doesn't cover loss or theft. There are way too many "gotchas" in that coverage such as police reports, notaries, eye witnesses (joking), etc. The plans for those are MADE to say no unless you have a perfect claim. Second, Our prices are more affordable because Upsie doesn't over charge. This doesn't mean our insurance is any less. Its actually on par or better if you check out the T&C's. Our plans are backed by an A-rated carrier, same as all the other companies that are "national players". Third, our 100% focus is serving our customers. In the case you explain above, it sounds like that wasn't the focus. When customers come first, you take care of them by any means necessary. Our focus is on affordability, transparency and service. Thats how we separate ourselves. If you want to chat more about this, please shoot me an email. I would love to hear from you. cbethea@upsie.com Clarence - Founder/CEO