They have great cvoerage and I have been insured for several years. Only down side is claims processing seems to have slowed down recently. i used to get an email almost immediately when I faxed in a claim and check mailed within 10 days. Now it is 10 business days before you hear anything and about another week to get the check. Still ot bad you get reimbursed in under 30 days, (better than my health insurance).