I won't take too much time to rant about my experience with this company, but I would highly recommend you choose anyone BUT this company. From the very start I was frustrated with trying to deal with these people, from there so-called "toll free, anywhere in the world phone number" as I tried to call it from Budapest, Hungary, a "modern" city, and the number they had on ALL the documents AND website, was a non-functioning number. Even when I attempted calling collect, multiple times, at various times of day, I was always met with an answering machine. When I tried, with ALL the required paperwork and more, to make 2 claims, I was made to wait MANY months, and then one was NOT paid due to some feeble excuse in their "fine print" regulations. AVOID this company at all costs!!!. The DO NOT care or are honest.