SCAMMERS.I have been paying this policy for almost a year. As any other healthy person (which is the type of person that the insurance accepts) I have only had to go to the doctor twice, due to an eye infection. When I have passed the claim they have let me know that BEFORE the insurance will cover any of your costs, you have a deductable of 250$, which means, besides paying your insurance monthly, they will cover NOTHING for you unless you have paid 250$ in medical costs. This is such a scam, and definitely useless as an insurance for someone who is healthy and will not spend this amount on healthcare. I cannot recommend them and will definitely cancel my subscription with them.