Bad experience with this insurance company. Due to an international move I needed to cancel the contract. Not only did it take a week for Customer Service to reply to me, they refused to let my contract be ended immediately because of the move (something all other companies I had contracts with accepted) and served up a sarcastic comment. In addition to this, the policy is relatively expensive and has too many exceptions where customers do not qualify for refunds. I cannot recommend this insurance company due to its lack of service and general customer centricity.