I claimed on Holiday Insurance back in September 2022 as the GP stopped me from flying due to what he thought was an heart episode. He gave me a letter which i uploaded to the Portal, along with lots of other documentation that Admiral wanted. 30 days passed and then they asked for more documentation, 30 more days passed and they asked for more documentation etc etc, please be mindful that everytime you upload a document/s you have a 30 day wait time. they asked for duplication documents as i had already sent them, then even asked for copies of my refunds - THINGS I WAS NOT EVER CLAIMING FOR - it got ridiculous. eventually i got half the money i claimed for in February 2023. they then said i had not declared some medical records - Hyperlipidemia (which is Cholestral) which in fact i did, and Occular Hypertension which they found - I get tested for this as it is in the family - but i DO NOT have it or have i ever had it, why would you disclose something you have never had - BE CAREFUL - ensure you print out your medical record and even put a cold down there as they will find it. I informed them of everything they asked of me - they make you feel like a fraud. DO NOT USE! and if you try to get hold of them by telephone, well thats another story. Dont hold your breath.