Scam from Verizon and Asurion?

What is the benefit of having an insurance Asurion on my phone if I have tom pay $99.00 to get the insurance company to ship me a new phone. With the $10.00 monthly charged I have already paid several times the phone itself... it is a gigantic SCAM !!!!
Really disappointed by this kind of service,
<< Personal information removed to comply with Verizon Wireless Terms of Service >>
Message was edited by: Verizon Moderator

Maybe her insurance is like that but there is a maximum co-pay that I must pay per year. For me it is $3000.00 a year and then after that my insurance covers it all 100%.
Health insurance varies. None are 100% the same.
If you pay a monthly premium, let's say I pay $85 per month.
Or roughly $1,000.00 a year. However I pay a co-pay of $20 per doctor visit or a $40 co-Pay max per visit. I have never used that $3,000.00 per year not even close.
When in hospital or doctors office everything is totally covered after I pay a small deductible.
If you have medicare that $3000.00 provision is no longer applied.
You primary insurance covers what ever medicare does not cover and that is the customary 20% if it applied.
It actually is based on what insurance you carry and believe me some as that Walmart one is terrible.
You must shop around. Just like car insurance, or life insurance, home insurance and even cell insurance.
Good Luck

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