[BlueDevil89]

For any purchases of $40 or more from my website, I automatically include insurance. I've included the cost of shipping, insurance, and Delivery Confirmation into the prices shown on my website. It may make the prices on my website appear slightly higher than those of competitors who do not include such fees (or simply break those out separately), but it keeps the transactions safe and simple. On my HOW TO ORDER page I note that buyers may purchase insurance for the price of $2 for orders under $40. This way, if ever a dispute arises, it should involve a relatively small dollar amount. Closest to an incident I ever had involved a $9 card. I asked the buyer to bare with me as I worked with the USPS to resolve the matter, and informed him during the very first communication on the subject that he would be refunded his money if the card did not arrive. Two weeks later the USPS found the package and made the delivery.

I voted YES, the seller should issue a refund if the card does not arrive. Ultimately, I feel the Seller has the obligation to make delivery. I view insurance as protection for the seller, not the buyer.