Wishful thinking to say, "H&B would likely be included..". I had H&B last year and was told it's not included. I'm not taking the chance. I'm done with them. I have to wait 5-7 days for them to refund my automatic payment. When I asked the agent on the phone why she couldn't just process it herself, like most companies do, she said it was easier for the billing department to do it that way. That's emblematic of the TT way, do what's easier for you, not the customer. To all of you who are sticking with TT, I wish you only good luck.
