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Many consumers do not know this, but many charge card issuers such as Discover, Visa and Master Card have an extended/replacement warranty policy for just about any items manufactured with a USA warranty. This coverage is totally FREE. The only requirements are is that you purchase the item on the specific card that has this coverage AND the entire purchase must be made on the card as one transaction. These card issuers will at least match the original manufactuers warranty exactly as stated by the manufacturer. For example,if the original manufacturers warranty is one year parts and labor, then you will automaticlly receive another year of parts and labor coverage totally free. If the product breaks after the first year, the charge card company will either pay for the repair up to the price of the item OR they will either issue a complete cash refund or a credit on your charge card towards a new purchase. Diferent cards issuers have different refund policies. The only requirement is that you will have to retain proof of purchase such as your monthly charge card bill, and you will have to produce a written copy of the manufacturers original warranty. Not all Discover/ Visa/Master Card/American Express account holders have this extended/replacemnt warranty policy. You must contact the respective corporation that issued the card (NOT the bank that issued the card) and supply them with your account number(s). The representative will inform you as to whether or not you have this extended warranty policy coverage on your card or not. You will also be able to question the representative how to file a claim, what's covered and what's not covered, etc. The numbers for Visa , Master Card, and Discover Card to verify if your card has this policy are 1-800-VISA-911, 1-800-MC-ASSIST and 1-800-DISCOVER. As a previous writer reported, the cost of this extended warranty is 25% of the cost of the item. In addition, you are only buying ONE additonal year because I believe the reader comes with a one year parts/labor warranty from the factory. The last time I checked,I verified that I still have this coverage on my own charge cards. Of course, certain damage such as droppped off the desk, the dog ate it, etc. would not be covered UNLESS, I believe, the original manufactures warranty has these things written into their warranty. Hope everyone finds this information useful.