Whatever your experience, the poster to whom I was responding cannot use the website's ordering system. That was the point of his inquiry. I guess he could email, as opposed to speak to someone, but the you know you will get the canned policy that way. You might get the canned policy by a more personal touch as well, but my experience is otherwise. You give a call, the worse that can happen is you don't get what you want. The best is you do.