Coverage summary Coverage starts after the 30 day period. Stains, rips or tears, seam separation, and more are covered. Defects in materials or workmanship are covered after the manufacturer expires. Product eligibility Plan must be purchased with the product or within 30 days of the product . Pre existing conditions are not covered. Cost and repairs No additional cost to you. You pay nothing for repairs because parts, labor, and are included. Claims process Easy claims process: file a claim anytime online or by phone. Most claims approved within minutes. If we can t it, we ll send you an e gift card for the of your covered product or it. Use scenarios Scenario 1: A fabric sofa cushion is stained or develops a tear after months of use. You file a claim and receive either a or a replacement, depending on what is needed. Scenario 2: A jacket shows a seam separation after regular wear. You submit a claim and the item is repaired or replaced at no extra cost. Scenario 3: A fabric tote or chair cover becomes stained or torn during normal use. You initiate a claim online or by phone and, if is not possible, you receive an e gift card or a replacement.