Honestly, I used it on a purchase at Donata's and really felt it was a waste of money. Thankfully we haven't had mail delivery problems. Thoughts that it was a way to get more money from us went through my mind, The real reason I used it was because I couldn't get it off my purchase total and I was getting a discount so it was ok. I didn't use it on my next purchase and the wonderful product got to my house fine. I think it is up to the vendor selling a product to guarantee the delivery, not put it on the purchaser.