When they quote you on your policy
When they quote you on your policy is the big scam. Yes, the price is right but then you actually need to file a claim that is impossible to fill out . You need to send them medical records, a full diagnosis from the treating physician, or Hospital records. Go find all those!!! I already paid the doctors out of pocket so they are not eager to get me any document. The ones I didn’t pay have put me on a collection list.
My claims are from the winter of 2026. I am a snowbird.