Unless it's a health claim, expect then to weasel out of paying a claim
Their health coverage is strong and that is the only thing I've ever had good service with. They weasel out of every other kind of claim as hard as they can. And if you are any sort of minority traveler (in my case, LGBTQ+), expect the worst. After using them for over a decade for my annual traveler's insurance, I'll be switching when my policy ends and will never consider them again unless they make significant changes to how they treat LGBTQ+ customers.