yeah, these insurance companies see an opportunity to cash in on some premiums for this kind of insurance, knowing full well that they can easily get out of paying on a claim. In my opinion a $1200 premium paid to these guys is throwing money down the drain. Insurance is supposed to buy peace of mind. With their blanket disclaimer, you get none of that. If you think you are, then you're just kidding yourself. Heck, even the most straightforward health insurance with no legality issues whatsoever, will do whatever they can NOT to pay. They try to make you jump through hoops until you just give up.