I have a terrible track record with digital cameras. Terrible, in that I have an uncanny knack for destroying them. Actually, my knack isn't limited to digital cameras; of the last four cameras I've owned (two of them digital), one was stepped on, one was slammed in a car door, one was lost, and one was dropped into a lake.
So, having demonstrated conclusively that buying a camera is not only a poor investment but also a stupendously bad idea, I bought myself a shiny new digital camera before embarking on my trip to Alaska. (I'll remind you at this point that my trip involved three commercial flights, twelve hours of driving, four days of camping and hiking, and two days of kayaking.)
The future did not look bright for my new camera.
Ah, but fool me five times and shame on me. This time, I would get a replacement plan. Normally, I'd tell you that if you buy any sort of electronics you should steer far clear of any of those so-called "service plans". I'd tell you that they are a scam, because they are. They provide essentially zero additional protection above and beyond the manufacturer's warranty. They're completely useless to you as a consumer, and they are almost 100% profit to the store (and more importantly, the saleperson) who cons you into buying one.
I shopped around at all of the major area stores that deal in cameras, and I had one question which served as my litmus test for purchasing a camera from them:
"Would your service plan cover accidentally running over this camera with a car?"
As you might expect, the answer was always in the negative. One salesman thought I was kidding, and when I assured him I was not, his expression became one of despair. A couple of times I just got stunned looks, but usually they'd just say, "Um, no." And so I moved on to the next store.
At one local camera shop, though, my experience was different. I didn't even have to ask my litmus question. When I asked for a brochure on their replacement plan, the salesman handed me a handout titled "Expanded Service Plan" which, on the cover, had a picture of a camera that had been run over by a car. The caption read "Has this happened to you?" I briefly considered applying for a job right then and there. At first, I thought my discovery was too good to be true, and then I read this clause in their service plan agreement:
"...no claim may be made unless the covered equipment or parts thereof suitable for its positive identification, are presented at the time of the claim." (emphasis mine) Done and done.
And off I went, boldy defying my own disasterous track record, carrying some hundreds of dollars worth of camera, batteries, memory cards, etc. Secure in the knowledge that I needed only to scavenge some smoking bits of plastic in order to have the camera replaced upon my return. (You might think that having such a replacement plan would make me more reckless, but I think I've already demonstrated that I'm already quite reckless without even trying.)
Okay, I don't have a very funny way to end this story; I'm sorry for that. Suffice it to say that I did not lose, step on, crush, or submerge my new camera. It still works. For now.