After getting a mail solicitation, I called them at their 800 number and they sounded legit. Two weeks later I had a claim. Only then did they tell me that there "was a 90 waiting period."
After going to the Internet I discover that they have had a bad reputation from BBB as well as Rip Off. I decided to cancel my policy. Have not heard from them since.
Yes, they charged my credit card immediately. They are not quite so prompt in making a credit.
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