Squaretrade definitely asks for your reciept, before you make a claim. I have their insurance for my iPad.it's cheap enough, if you are even slightly worried about breaking your new toy, I'd go for it. When I bought my insurance, they immediately sent me a coupon code for 50% off my next policy, so I'd recommend buying it for your wife, getting the coupon for the discount, & then getting yours. They give you up to 90 days if I'm not mistaken, from your purchase date. It seems they have the most affordable insurance out there, with pretty decent coverage.