they sent out my policy ok but when i went to claim they did not sent out all right document to me then i got email, say i did not do all of them when they did not even send all i need in first palace then i had to call back and it 4 call for them to get it right. then i had to get my DR to sing and stamp the form then i got a new email say the dr did not sing it when he did it going to be 25 days before i get my money back.if i do i would not use cover wise for any thing.because they take there time and do not send out right info for you they give you run a round when you need to clam. very very bad.