Many people have been debating over this, and many have commented on it without even having both or one of the warranties. I have read many bad reviews about ST by people who haven't even used it, so i will share my story about ST and why it is the best I bought ST for my iPhone 4 and let me tell all of you it works the BEST I use it twice, once before AC+ was out and once after it was out, my phones screen cracked twice i called square trade and opened a case, then then told me to go to the apple store, get the phone replaced and they will reimburse me the money via payal or check. I did just that and got the FULL amount back that i paid. YOU DONT PAY A $50 DEDUCTIBLE UNLESS YOU SEND IT TO THEM TO REPLACE. and there is unlimited replacements, it covers drops, spills,cracked screens, even covers broken buttons! its a way better deal then AC+ i now have an iPhone 4s and the warranty transferred over at no extra cost! i paid $85 (had discount code which) for 2 years and its covered two different iPhones and already paid for itself if i had apple care i'd be out $400 if anyone wants a 35% off code for ST, PM me and i will give it to you, i have two left and both are good til monday december 26th!