Is it the same deal where it is a refurb after 30days?
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Yes, it's always going to be like that after 30 days. Only nice thing is with the higher insurance, you've got 2 years of coverage without a deductable if the failure is due to manufacturing failure. For $12 more a year then the standard (dollar less) insurance, I'll take the peace of mind. I had to use it on my 8830 POS after 1 year and it came in handy.