Never buy any product from them. They find one way or the other to reject your claims.
A person buys an insurance so that if a person accidentally drops his / her phone, then an insurance company will provide the claim, rather reject it by citing human errors.
Call center people are also programmed robots. These guys lack human touch. They are programmed to provide standard cold replies.
I wish something could be done in order to stop the money they are collecting from the customers without providing them the required insurance.