When I purchased a sofa from Macy's the sales rep told me to buy WORRY NO MORE insurance so that "whenever I needed a stain removed" in the next 7 years, I could call to have it cleaned and removed--no questions asked. Couldn't really afford it, but the extra $218 sounded like a good investment for maintaining the couch. He didn't say that Worry No More would refuse to provide service if a stain wasn't reported within 15 days of occurring. I called the company and told them I had a few stains that needed to be taken care of. I was rudely refused service since "the stains were more than 15 days old." Are you kidding? So I decided to wait until the next time I got a stain. So I got another stain a few days ago. I called today (since they were closed over the weekend) and the sales woman at Worry No More refused my claim stating that per "terms and conditions" I HAD TO PAY TO CLEAN MY ENTIRE SOFA BY AN OUTSIDE PROFESSIONAL BEFORE THEY WOULD EVEN CONSIDER MY CLAIM since they had denied a previous claim because I already had stains on my sofa. Are you kidding me??? THAT'S WHY I CALLED IN THE FIRST PLACE!!! I asked to talk to a supervisor and the woman rep blew me off and said ,"Maybe you should go read your contract instead." Never talked to a more rude rep. Asked to talk to the supervisor--she put me on hold--and never returned to the call. Called again, but instead of talking to a supervisor to get a new claim filed, I was put on hold and sent to a voice mail. I don't anticipate ever hearing from this lousy, scammy place. I should have read up on this company before buying anything from them. I can't believe Macy's would ever stoop to associate with this crappy company. They must be getting one helluva kickback. WHAT A SCAM!!! DON'T PURCHASE!!!! Don't waste your hard earned money.