Not the worst, not the best It's a bit complicated to submit claims, and the direct billing is not guaranteed. Had to pay for a surgery since they couldn't do the direct billing and that wasn't the best experience. The reimbursement will come, but you can't count on that money.

Great until you need to make a claim Everything is great until you need to make a claim. Claims are done in a different, clunkier platform, and take months to be processed. I made a claim but forgot to add the document for one of the expenses, instead of asking for it they simply closed it and didn't pay the total amount. I tried making an appeal explaining what happened and they simply rejected it saying it was a duplicate claim. Tried adding additional documents to the original claim and I got no feedback. Still trying to get paid after 3 months.

Amazingly fast and prompt service Had to visit a hospital while in Thailand. Put in a claim at 16:58 and at 17:03 it got accepted. The money was is in my account by the next day. Couldn’t have hoped for a better process. Wasn’t even asked to write a review but felt it was due.

Best travel insurance you can get I've been insured with SW for over 4 years now while traveling around the world. The customer service is always willing to answer every question (even the irrelevant ones :D) and they're very fast! Together with the new complaint approval system, it's suddenly a joy to deal with my insurance! certainly never expected that.

Review change I am always happy to change my stance based on how organisations respond. I did not have a great experience with an approval, however I have been impressed with the seriousness of how the org responded to my complaint. Mistakes are made, sometimes the response to a mistake makes a bigger impact on long term relationships. I appreciate how you have dealt with this.