I bought this insurance this year-just to cover us in the event of a really bad/expensive thing. Lo and behold, we did have a minor eye cyst issue. I filled out the paperwork and provided the info. No fuss no muss-got a prompt response. SInce it was my first time, I called for an explanation, and Kathleen Osbourne one of their reps took the time and went over every detail. Much to my delgiht, I understood the process and they did not try to skimp or fudge anything. I am very very satisfied and will recommend this plan to anytone.