Everytime I call to submit a claim I get transfered throu their system several times only to be put on hold and the call finally disconects. I purchased this plan 9/17/2009, in my contract there was a 20 day waiting period before you could sumit a claim. I purchased the plan with my social security check money as I am disabeled. I called 10/12 /09 and the customer sevice department told me it was a pre-existing problem, they never even sent out a sevice person. The owner of the company is a James craig he will not return my calls, the strange thing is every time I call there I don't think I speak to more than mabey 5 different people. I worked in a bank for 30 years on the phone, I feel I can distingish different accents and voices. I have contacted the mayors office, FTC, Better Business bureau. I am now waiting for a return call from the Consumer Service Dept. of the mayor's office. fraud division, there have been numerous complaints on this company from all over the country. I guess this will just be another senior citizin ripp-off beware.