Not good, most difficult to talk with an advisor at times of increased stress in taking travel insurance cover. Do not follow through on assurances given. 3 weeks after return from a trip I have still not received detailed policy information that I was promised would be sent to me in the post . It had to be posted because of a glitch or incompetence in their on line emailing Protocols. shocking Performance standards at a time we need them to excel. Paid for the travel insurance, completed the trip and returned, now heading for a month and still no detailed information Has arrived on the cover taken out.