Awful. Unhelpful when needing to make a claim. They will find every loophole and T&Cs not to pay the claim. The areas that they will cover are so limited that it is ridiculous. Apparently an airport shutting down (Heathrow fire) is not covered. So the excursions I had booked not covered in cancellation policy. Very unhelpful customer service agent - rude, argumentative and not at all friendly - put the phone down on me when I was trying to ask him something. Called back and spoke to Samuel, who while he could t help was at least polite about it. Very poor show. Won’t be using again. Awful service. They are cheap but don’t be fooled to think you are covered as they don’t pay out. Thankfully it wasn’t an US medical bill I was trying to claim for. Hate to think what might have happened then. Won’t be using again, and advise others not to make the same mistake as me.