Terrible service. Contacted them as I booked a hotel and took out insurance with them in case of cancellation. Due to a serious family illness I had to cancel. When I tried online it would refund my money. I contacted them and was told the hotel did not issue refunds and if I wanted reimbursement I would have to go through an insurance company. They subsequently blocked me from messaging further. Disgusting customer service and misleading marketing of booking insurance.