Oh yes. You make a claim, they send you a box, you send them your phone. If they determine it's been trashed, you get a check or paypal credit or whatever you choose. Otherwise, they have it repaired, send it back and deduct the cost from your coverage. If they determine it's junk and send you the full amount, you don't get the phone back. You don't get the real full amount either, there's a deductable. But it was totally no hassle, very straightforward, very fast and MUCH better than Apple Care.