They provide nothing but headaches and frustration.

Having the worst experience claiming from them. They give you the run around sending you from pillar to post. You wait for hours on the phone, while the agents say they are going to "ask" someone about your query, and when you ask for a manager they just transfer you to the clueless agent. One will agent will tell you need one thing for them to approve the claim and when you get to the next agent (because your query can never be closed by one person) they ask you for something else. Very frustrating.