Once we ship your king cake we have done our part and it is out of our hands. By purchasing this insurance, if FedEx mishandled your king cake and it comes in smushed to one side, we will send you a new one. If your king cake arrives after the date your requested we will refund your money or give you a store credit to use in the future. If you choose to decline this offer, we will not be able to send a replacement or provide a refund. Claims can be made at 985-445-0328. We must be notified within 48 hours of either mishandling or delayed king cake for your claim to qualify for a replacement or refund/credit.