AVOID ANY INSURANCE POLICY THAT USES THIS CLAIMS HANDLER! Appalling company, same experiences as other reviewers. 5 months still waiting on a claim, no resolution yet. Online claim submission tool is junk, totally useless for submitting any level of detail, which means you have to follow up with several emails with documents attached, which then get 'lost'. Endless promises of call-backs and email replies, often waiting weeks, claims seem to be constantly passed between different agents who never read any notes or detail on the claim. Result is you go around in circles being asked the same questions, providing the same information, over and over again and never get a resolution. If your insurer uses this claim handler, save yourself a world of pain and go elsewhere.