Bests & Worsts Reviews from Amazon

I was planning to buy a camera and accident coverage from amazon today - but after reading so many reviews of this plan that read "well, not too sure, but hopefully I won't need it"….I decided to do my own research!! When I went to the smart guard website and started reading what is NOT covered, I couldn't believe it! Here are a few things that are NOT covered under this "Accident Protection Plan". Water damage of any kind - fresh or salt water - due to weather or spillage, by owner or any other person. Damage due to weather exposure - dirt, sand, moisture, etc. Power overload or surge. Accidental damage - physical, mechanical or electrical - due to Dropping. Um, ok, what on earth am I buying a protection plan for if it covers exactly NONE of the potential reasons I would have for needing an accident protection plan?!? The only reason I would buy one is to protect myself against a minor accident like something getting spilled on it, sand or dirt from the playground or beach, or it getting dropped or banged up from being in a bag or backpack. Thanks, but no. I will pay a few dollars more and get a real protection plan from my favorite online camera store. Thanks Amazon - you lost the sale on this one with this terrible plan.