Swindle

It seems to me a lack of respect and a great decline in values ​​to the apple inc team when they make me pay insurance to cover my phone for damage or loss and it turns out that I send my phone to have this repair done and they surprise me with what I owe Paying a deductible is fine I pay the deductible and anyway I can't get that my phone has been fixed because they say that my phone does not qualify to be fixed My question is is it okay for you to pay a year for insurance that does not cover anything and nobody says anything or they are stealing in your face and everyone is left as if nothing saying they are the best in the world