NEW YORK -- This review comes after my second attempt to cash in on a 5 year policy that "covers it all" (thanks Bobs Discount Furniture) and fail. The first was a tear on my couch due to my animal scratching it (which I let slide off my back because it seemed understandable, even though Bobs put this protection out like it was the platinum protection plan on the market, since it was my animals fault). This time we have 1 of the "leather" couch cushions literally peeling.. like the "leather" peeled off. So I thought this is not right, sent out my claim, and received no response. What I did have to do was call, wait on hold, then be told it was denied because they aren't a manufacturer warranty, but will help with any other accidental issue. I told them I was extremely happy I wasted my money on them, and on Bobs furniture, and hung up before I said some other choice words.