Did anyone purchase this with their crib furniture sets? Its $150 for 5 years, but the info they give you on what is covered is so vague. I know it's not that much $ but it's one of those things, like will they really cover anything you need...and what is considered "accidental"

I only hesitate because we purchased a matress for our bed 2 years ago and bought the Insurance - there was a run in the matress after a month and because we had not a clue as to why, the company of course disclaimed. They said it wasn't an "accident" because we could not pinpoint an incident. They also tried to say we had to let them know within 7 days! Of course we didn't know when it happened

So of course now I'm a little skeptical