Most providers give answers that sound reassuring, which is why the wording matters more than the tone. Before you pay, send a short list of plain questions to each company in writing, then compare the replies against each other and against the contract.
Questions worth sending
Ask who administers the contract and who pays the claims. Ask where a claim is filed, whether you can choose your own repair shop, what you must send with a claim, how long you have to report a problem, and what happens if a claim is denied. Ask for a copy of the full contract and the cancellation terms before you pay anything.
What a useful reply looks like
A useful answer names the steps, the departments involved, and the documents you will need. It matches the contract wording when you hold the two side by side. Be cautious of replies that promise a result, push you to decide today, or skip your question and steer you back to the price. A written answer is only useful if you can check it against what the contract says.
Who handles the claim
Some providers process claims themselves, while others hand the work to a separate administrator. Knowing which one you are dealing with changes who you call when a repair is disputed. This site keeps a separate list of providers that handle their own claims, which you can use to check your replies. No reply, on this site or anywhere else, promises that a claim will be paid, so treat every answer as something you still need to verify.