When I took out my policy I thought it was they were great ! Totally understand why people think their great ! I recommended them to lots of my friends ! I now know BiG mistake soon as you need them for anything ! Forget it ! I been told they will call back ! i waited few times ! Only to find out today they phone system not allowed out calls !! Wow !! Rearly !! Or just another excuse !! Customer service worst ever call them see how long you wait ! Just to ask a question i garantee no answer to the question ! It's like talking to a robot ! With no common sense ! Sales line great take the money ! Then just read policy very carefully before you except ! Would be my advise