I bought a cell phone family plan through LetsTalk.com, Inc.The LetsTalk representative suggested a plan for protection against loss or damage.
After the representative assured me that the plan covered losses such as dropping the phone in a swimming pool (as had happened to my son), I bought the plan for my daughter's phone. A couple days ago she accidentally dropped her phone in the toilet and it stopped working. LetsTalk then referred me to a 3rd party company called National Cellular Owners Association (NCOA) that was the actual plan provider, who responded saying "WATER DAMAGE AND CORROSION" - "Water damage is excluded from coverage. If the white dot under the battery is now red/pink, it is water damaged."
In my opinion, NCOA is most certainly a scam.
I doubt whether they cover anything that the manufacturer's phone warranty doesn't already cover. I believe that someone from there belongs in jail for fraud and for stealing.
I don't promote violence, but given this outfit's behavior, I wouldn't be the least bit surprised to read in the news that someone went into their office and shot it up with a machine gun or something.Take my advice - Stay away from both NCOA and LetsTalk.com.
Review about: Worthless Insurance.