I would say the communication part could be improved by just communicating with the customer. My claim we delayed over 30 days and no explanation of why. My claim was for a back surgery and now the underwritten permanently excluded skin allergies. However, when i signed up it said 6 months no issues. That was very shady for the company to remove that coverage permanently due to my claim for a back surgery. I will be looking for another insurance provider her in the near future. That just rubbed me the wrong way and no communication once again. Only a letter but didn't tell me why. My guess is because you covered the claim for the back surgery.