Good question; Yes, I receive my bill yearly (I pay it all at once) but it's for "364" days, (vs the straight calendar year), so I "lose" a day in the transaction, but they assure me that coverage continues. I have called them a few times to get an explanation of things and they have (so far) been very "user friendly" and all about their customer service. I noticed this also happens with my Sirius XM plan, (I also pay that for the full year) and when I call to "cancel" it (they list their price for approx 249.95 for the year (for the plan I chose) and when I speak to them, they tell me I've "qualified" for a substantial customer discount to 99.95 per/yr. I renew at the price, but this year my plan was to renew on the 13th of October, I called on the 9th to cancel the "auto-renew" and they offered the deal and I renewed it, however, my "new" subscription now expires on October 9th, 2018.. so I actually lost 4 days I'd paid for. I haven't called them yet, but hope when I do, they'll extend it to the 13th- I just have to get off my butt and commit to spending 15-20 minutes on the phone- Good luck!