be careful "not everything what is shining is gold"!!! what they promise and what the deliver are two different things. Even with a simple claim request of a few hundreds USD which has nothing to do with any pre condition they try to prolong the claim settlement by asking for additional documents, in my case its now already 3 month. Their tactic is to sometimes call and ask you if you not have received our email for example, than again call instead communicating the way they expect from the insurance holder also by mail to have a trace record. Unacceptable!