ProtectCell A Fortegra Company False Advertising of actual cost of cell phone "protection." Novi Nationwide

 I purchased a premium cell phone protection plan, which was described as having a one time fee of $200 up front, and then full replacement value in case of damage, loss, theft, etc. The $150.00 "administrative fee" was never discussed, and when I started a claim, I was told that there was a $150 administrative fee. I reviewed my contract (terms and conditions), and didn't find anything about the administrative fees (there are several) until 30 pages into the contract. Very hard to find. I want my money back.