Well I guess it's all a matter of perspective and how much an individual feels is too much hassle. For the past two years my wife and I have had to deal with insurance companies and claims departments that would pretty much leave you feeling suicidal after dealing with them. I won't go into details but it had to do with endless red tape, incompetent agents, paperwork up the arse and a lot of begging and threatening. If Curious Labs doesn't ask to see my Social Security number, birth certificate, financial records, personal references or my cat's pet license, I'll consider it a hassle-free experience! :)