Thanks EarDemon for the input. Ok just to see this through to conclusion, I went to the Best Buy website to order the replacement phone. I found that the only way to order a phone without starting service was to order an unlocked phone. This may not necessarily be true, but I couldn't figure out a way so it is at least unintuitive if it is possible. So I order the Galaxy S7, which is $689, not $679 as I had earlier seen. So I end up paying $85 out of pocket in addition to the GS coupon for the difference in price and for sales tax (MA 6.25 %). The phone took a week to arrive and when my son tried to put his sim card in to use it it was a no go. So he took it down to our local Verizon store to see if they could help. They ad vise it is an unlocked phone and will not work with Verizon. Don't know if that is true, but that is what they told him. So I call GS again and they advise I can return the phone to their store and they will exchange it for a Verizon phone for no charge. So we make the hour trip to our closest Best Buy and are directed to Customer Service and then from there directed to the mobile phone section where there is no line, but there is also no one working there either. After about a 10 minute wait an attendant shows up and helps us. She seems to know what she is doing pretty well and agreed with me about the website not letting me buy a phone without a new contract and gets going on the exchange. This is an ordeal that I will not go step by step with but having to enter my SSN and PIN several times as she goes through the menus is just a pain. Finally she gets to the point of ringing up the transaction and the in store price ends up being $10 less than the online price I paid for the phone I brought in and the total shows a $10 credit with me owing a balance of $1.23. The CSR says that can't be right because the in tore phone is less I should not owe them money. I suggested the possibility that because I live in Massachusetts the tax rate is quite a bit lower than their store located in Albany, NY so even with the lower price the total is 11 and change more. She said she wants to ask a manager. So she calls and we wait. Then she calls again and we wait. Then she starts going to look around for a manage and finally finds one who confirms what I said about the sales tax being so high there. So after all that now she starts the phone info transfer which takes another 15 minutes so now we are close to an hour and a half just for what I thought would be a simple exchange. Sorry for the venting, but I was a bit perturbed at how long this took. So now I figure out the dollars and cents: I paid $240 for the Geek Squad PP, then had to pay $160 deductible for the service, then $85 for the difference on the new phone, then $1.23 in store for the added sales tax adjustment for the lower priced phone, leaving me having paid out of pocket $486.23 for a replacement phone from Geek Squad; a savings of approximately $200 over what I would have paid without the PP. Although if I did not have the PP, my son would have just had to make due with the old iPhone we had laying around from a previous upgrade that he used for the few weeks it took to get this whole thing sorted out.
So would I use GSPP again? Not a chance!! I have a 3 year square trade plan on my iPhone that cost $129. I hear that they have family plans and I am going to look into that for future insurance. Thanks for listening.