The worst experience ever. All started great, they charged my premiums to my card every month, so easy. Than you file a claim. Good luck with it! 2-3 hours on hold with claim department, everything was applied to pre-existing conditions while it wasn't. Had to send records 3 times, nobody knows what they are doing, keep repeating themselves like parakeets with no resolution. Took them 4 month to review appeal papers, to issue tiny partial payment without much info as to why. I wouldn't recommend this insurance, it's a waste of money. Oh, they don't let you post bad reviews, they control it too. So my review probably won't be published.