I find that the majority of online reviews for almost anything are abysmal. Just look at almost anything on Amazon, which has a very robust rating system. Any book, kitchen appliance, and toy has a bunch of 5 star ratings, but also a pile of highly negative rating narratives. I'm willing to bet that the pile of negative reviews in this case stem from a widespread misunderstanding of terms and conditions of the insurance agreement. Not that AHS doesn't probably work to make it difficult. Just use due diligence and know what you're buying, and you will probably be happy.