I had expected to have a terrible experience after reading all of these negative reviews, but it has been less than one week, and I have had my claim approved, and the money is in my bank account. My mom broke her arm with less than 2 weeks before we left on our cruise, and she needed surgery. I had to fill out one medical form (my doctor did), and submit my receipts, but that was it. I am unsure if they are improving because of all the other reviews, but I did not have any issues.
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