At first, this felt like a scam. I paid for cover for the Torbay Half Marathon but fell ill on the day. They refused to refund me, hiding behind terms that require you to see a doctor before the event—something that’s impossible if you’re taken ill last minute. After reading other reviews, it’s clear I’m not the only one who feels this way. Many others have had the same experience. I eventually managed to get a refund, but only by being very persistent. I strongly suggest the company revisits its terms and makes them fairer for consumers.
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