Terrible insurance company opitimising the old addage that insurance companies look for every reason not to pay. I had a legitimate claim, I was alone in a foreign country in pain and in hospital but they would cover me because of an incorrect fact that they were sticking to, if I had reported to the ombudsman or taken legal action it would have been covered but they kept pushing back and wearing me down to the point that I paid to fly myself to Australia to pay for my own care. Beware of these sheisters. Also, they didn't respond to my claim for a week, but responded immediately when I wanted to change how they received my payment. My experience is that they want to take your money $600 per month I paid, but when you have a legitimate claim do everything not to pay you.