I think your ins. program has improved. I was surprised at how quickly I received a response. I have had your ins. for years and I am very satisfied. My only suggestion is that you review your recurring illness policy and perhaps make it more appropriate to reality-illnesses recur and/or take longer than expected to resolve, just like in people. If someone is paying ins. for years and rarely making claims, I would think that some fairness should be involved by your company.