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My understanding of additional warranty coverage is usually extended coverage, whereby the warranty protection begins after the manufacturer's warranty. I acknowledge that SquareTrade's warranty is not referred to as extended, but runs concurrently with the manufacturer's warranty, beginning with the date of purchase. SquareTrade states that the manufacturer's warranty supersedes, or is primary to, SquareTrade's warranty, meaning that SquareTrade's warranty is useless until the end of the manufacturer's warranty. So if you purchased a SquareTrade 3 year warranty for a product that had a 3 year manufacturer's warranty, you would never have the opportunity to use the SquareTrade warranty, and end up eating the cost of the ST warranty. I suppose if the manufacturer only had a two year warranty, you could buy what would amount to a year of additional coverage by buying the 3 year ST warranty. In other words, this additional warranty coverage borders on a scam, especially if the ST warranty approximates the length of the manufacturer's warranty. At least Service Net is a true extended warranty, since it does not start until the end of the manufacturer's warranty. I'm writing this review because I was considering the 3 year ST warranty for a $700 monitor which had it's own 3 year warranty. Had I not read the terms of the warranty thoroughly, I would have assumed it was a true extended warranty, and be out almost $80.