Slow claims process. Expect weeks for initial claim and then many more week for appeal. Pay out percentages are horrible. Cannot use it in first 12 months. They deny everything for a myriad of reasons. Expect them to drag their feet and request more paper work. After a 6 month claim process with multiple claim disputes and their various reasons for denying (mostly requesting more info). They finally denied saying it happened in first 12 months of coverage. Why didn't they say that in month 1? This is all under the high dollar $70 a month plan. Horrible company. Very disappointed.