Purchasing insurance for your order financially protects your order in the event that your package is damaged or lost in the care of the postal service.Should a delivery issue occur with your package and it is insured, a parcel claim can be filed for you to receive a full refund. Please contact me via email regarding this; claims must be reported and filed no later than the deadlines below.CLAIM DEADLINES DOMESTIC (USA): 20-120 calendar days* INTERNATIONAL:First Class Mail: within 90 days**First Class Package, Priority Mail: 40-120 calendar days**Full carrier terms and conditions can be found here.**Carrier terms and deadlines can be found here. It is the buyer's responsibility to inform HAPPIPOP of any parcel issues in time as according to these policies and deadlines. We cannot help you if you allow time to elapse.