You can never really know how good a service is until you have to depend on it. This company looked good, probably is but due to the coronavirus MAYBE inundated with calls. MY situation ? ... My BA flight was cancelled and so I was within the 14 day cooling off period for Explorer Travel Ins. I emailed them to cancel and refund and confirm email me back, as I spent over 25 mins listening to the phone ring and the words "Im sorry, all lines are busy at the moment" 14th March 2020 Im ringing again and so far its 19 mins 25 secs and still no answer. 20 mins now and the phone just hung up on me. like I said ... YOU DON'T KNOW HOW GOOD A COMPANY IS UNTIL YOU HAVE TO DEPEND ON IT. Still trying to contact them or get a reply... anything... something.