It never fails! Just like appliances and electronics warranties that once it expires something bad will happened.  Sucks because once cancelled my accident insurance three months after I had an accident at home! I guess that stupid duck is laughing at me right now since i wasted all those paid premiums for nothing.
Why did I cancelled it in the 1st place? Well that stupid duck asks for ridicioulus amount of paperwork before they can even consider in paying your claim with probably about 2-5% of your medical bills.  That’s only my observation and personal experience though.