Buying the insurance was easy and the price was good, when I needed treatment in the USA getting the treatment was not easy because we had to contact someone called Mayday this process was very difficult i.e phone kept ringing no one answered it. Eventually I did get treatment and gave the details to the hospital as we were instructed by Mayday. Now before I go any further the insurance policy says "contact the 24 hour emergency assistance service do not try to find your own solution" I was lying unconscious on the floor bleeding from a head wound and my wife was phoning your emergency number and getting no response, this not acceptable. Eventually I had my treatment and was sent back to the hotel. This treatment was on the 18/05/2015. When we arrived home after the holiday my wife filled in various forms on the internet and was informed the claim ($724-00) would be paid. In the December of 2015 we received a letter from the hospital stating the claim had not been paid and that they would be pursuing us for the money. We contacted the claims department and they said we had to fill all the forms in again which they sent through the post this time we complied with this and thought that would be the end of it. Two months later we had another threatening letter asking for the money, I phoned Reactive Claims (February) and they assured me the claim would be paid in a few days. I received another letter from the hospital and I phoned Reactive Claims on 23rd March and was told the bill had been paid. Received more threatening letters from the hospital phoned Reactive Claims on 18th August (spoke to Amber) and was told the bill was paid on the 5th August. So I was told the bill was being paid in February, that it was already paid on the 23rd March and then was told it was paid on the 5th of August, do Reactive Claims really know what they are doing. My wife and I should not have this amount of hassle over a claim.