Questions, plainly answered.

It's a service contract you bought from your retailer that pays for certain repairs (and sometimes replacements) on a covered product after the manufacturer's warranty ends — and often during it for things the manufacturer doesn't cover, like accidental damage or surge.

Zeal isn't the insurer or the seller — we're the team your retailer hired to administer the plan. We answer claims, dispatch technicians, and handle paperwork.

The retailer (or its affiliated warranty entity) that sold you the plan is the obligor — meaning they are contractually responsible for honoring it. Zeal is the third-party administrator. Some retailers also have an insurance policy backing the plan; if so, the insurer is named on your plan documents.

Your plan certificate spells this out on the first page or two. If you can't find it, email help@zealprotect.com and we'll send you a copy.

It depends on the plan you bought. Most cover mechanical and electrical failures after the manufacturer's warranty — what the industry calls "breakdown." Some also cover accidental damage, surge, or scheduled maintenance.

The exact list of what's covered (and what isn't) is in your plan certificate, in the section usually titled "Coverage" and "Exclusions." We can text you the specific covered/excluded list for your plan in plain language when you reach out.

Three places, in order of usefulness:

• The email confirmation you received from your retailer when you bought the plan.
• The printed plan card or receipt the salesperson gave you in-store.
• Email help@zealprotect.com — we'll send you a copy.

Text the claims number printed on your plan card or in your confirmation email. Each retailer has its own claims number. Our AI assistant will start the intake right away, and a human reviews the claim before anyone is dispatched. Full walk-through here.

Our first reply is usually within seconds, twenty-four hours a day. Most covered claims are approved and dispatched in under five minutes. Scheduling the technician usually adds a day or two depending on your area and the product.

For covered repairs: no. We pay the technician directly. You don't pay anything out of pocket and don't need to submit anything for reimbursement.

If the claim isn't covered (for example, the failure happened outside the plan's terms), we'll tell you that before any technician comes out, so there are no surprises.

By default, we dispatch a brand-certified technician from our partner network — chosen specifically for your product. If you have a particular shop you'd like us to use, tell our claims team and we'll see whether they're in-network or can be added.

Tell us, by text or email. If the repair didn't resolve the issue, the same technician is generally obligated to re-visit at no charge. If you're not happy with the technician themselves, we'll route the next visit through a different one.

Most Zeal-administered plans have no deductible — covered repairs are paid in full. Some specialty plans (especially for high-value electronics) do carry a small per-claim deductible. If yours does, it's printed on your plan certificate and we'll mention it before scheduling.

Common exclusions across most plans include: cosmetic damage that doesn't affect function, normal wear-and-tear consumables (lightbulbs, batteries, filters), commercial use of a product purchased for the home, and damage caused by misuse or modification.

Some plans exclude accidental damage; some include it. Your plan certificate is the authoritative document, and we're happy to walk through it line by line.

Most plans include a "no lemon" or replacement clause — after a certain number of failed repairs (typically three for the same issue), the plan pays out a replacement value or a comparable replacement product. The specifics are in your plan documents.

In most cases, yes — protection plans follow the product, not the address. Tell us your new address so we can route future technician visits correctly. The exception is moves outside the United States, which most plans don't cover.

Most plans are transferable to the new owner at no cost. Email help@zealprotect.com with the new owner's name and contact information and we'll re-issue the plan in their name.

State laws govern cancellation refunds, and the rules vary. In general, most plans allow a full refund within thirty days of purchase and a pro-rated refund after that. Email us with the request and a reason; we'll process it according to your state's rules and your plan certificate.

Zeal is a Third Party Administrator — a company that runs the operational side of extended protection programs on behalf of retailers. Your retailer sold you the plan; we run claims, dispatch, and the back office. More about us here.

No. Zeal is not an insurance company and we don't underwrite contracts. Your plan is obligated by your retailer or its affiliated warranty entity, and in many cases backed by an insurance policy from a licensed carrier. Zeal administers the plan on their behalf.

Your retailer uses Zeal as their protection-plan administrator. When you bought your plan, the documentation and claims process route through us. You can also reach us through your retailer directly — they can always escalate.