2
out of 5
POSTED: | BY: SARAH
Cons heavily outweigh the pros
Every time I have to submit a claim, I have to print, fill out, and then scan/photo and submit a form that has 99% of the duplicate information on it. I understand having to submit a photo of the invoice, but why do I have to fill out that paper form every time? The invoice has all of the new info on it, and everything else should be in your records. It also makes no sense that you don't have an online claim submission form that I can just attach a photo of the invoice to. It would be less work for you and for me.
Also, nearly every time I have filed a claim, there have been exceptions, loopholes, or disclaimers that have prevented me from being reimbursed any amount that would make it worthwhile to maintain this insurance policy. I'm particularly upset by the last claim, because I deliberately bought the extended policy that covered dental cleanings, and they used a loophole to only pay $40 rather than the $350 that the cleaning actually cost. Am actively looking into other insurance plans now.
The pro I can give it is that it's reasonably priced and when I've called customer service they've always been good. However when weighed against the lack of coverage, makes the service not worth it.
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