Customer beware - I'm hoping to save someone else this pain. This organization is still selling insurance policies they have no ability or desire to service in the advertised timeframe. The truth is - unless you are looking for travel insurance knowing you won't need to make a claim or you have so much money that you don't need your money back for MONTHs - buy elsewhere.

Customer service representatives have acknowledged to me on multiple occasions that they do not have the staffing to meet their advertised claim response time, but yet even months later they still advertise this review timeframe to new/potential customers.

Furthermore, on 12/2 when I question the source of a cited policy requesting additional information (seems like a stall tactic), the customer service agent was shocked that I would question the credibility of information she provided about their internal policy only verbally after 4 months of waiting (over 4 times the estimated time available on their publicly available website). In comparison the information they were disputing from another source was provided with a link to the publicly available official policy the same day as the inquiry was made.