Absolutely useless, the customer service is poor you get threatening emails constantly after purchasing it the complaints department is poor. I was told you have to wait 3 hours on hold every time you ring because they are busy and don't have enough staff, so why are they still taking people on? they said it wouldn't be much of a company if they didn't but clearly the level of customer care is awful so is it much of a company if it doesn't care for there custom. This is RightChoice insurance who have poor reviews all the 5 star reviews are fake. I'd give it 0 stars if I could! I got a refund after waiting on hold for hours. happy I don't have to deal with them again!