Unlike others, I cannot complain about the actual insurance part. I have had no issues with what they claimed was covered and what was received. My one star is for their website. Been a member for 4 years and they have tried on at least 3 occasions to upgrade the site. The latest, IF YOU CAN LOG IN, is the best so far but still is slow and cumbersome. Tried to log in at least six times today and all failed with an "oops, something went wrong, try again". NSS!