This company is nothing but lies. I got a call from an rep. from Adova after I had inquired about Health Ins. The product sounded like what I wanted so I took a policy out and asked Miss Taylor (person I was talking to) when this policy would be in effect. Her replay was as soon as your payment comes off your credit card. That happened March 1, on March 7 I had a heartattack guess what when the hospital and doctors and air evac turned in the bills, they were told that I was not covered until April 1. The company has yet to notify me that they will not pay. This company is as bad as Mr. Madoff.