Hey! Thanks for the feedback. We do in fact honor free exchanges or credits if any product is not up to our quality standards irrespective to this coverage. The coverage you are reviewing is specifically for unlimited size exchanges. Should folk be unsure of sizing this will cover all shipping costs for as many exchanges or returns they may require.
It is totally optional and I am sure you can imagine how expensive shipping is for a small business with the operating costs ever increasing. This option allows us to offer a better service for a fraction of the price it would cost if our customers were to pay exchange shipping when they ordered an incorrect size. That said happy to refund you the coverage costs if you did not intent to use it.