Saga Travel Insurance/ Cigna Insurance/ Dont buy . Dreadful!

I wish I had seen these reviews before I bought travel insurance for my 87 mother in law in May before travelling to Kos, going through SAGA as a recognised Company for their dealings with shall we say 'people over a certain age'! I wish I had looked elsewhere. We had to make a claim as she had pneumonia whilst away and they also thought she had had a mini stroke which resulted in CT scan, xrays, hospital and oxygen in her room as well as neurologist in Kos.
All in all a very stressful time for all concerned, I was backwards and forwards faxing various reports, and bills to Saga whilst away, contacting their agent in Athens, we had to pay upfront for all charges......then on return? Nothing!!!! I rang and was told that I had to make a claim although I had been in touch with them daily whilst on holiday, had sent them all we had paid for with receipts by fax etc, they had every report that we did, so was expecting that the settlement would certainly be within a few weeks...... We have been returned now for 2 months, I have spent 45 minutes on the phone today after receiving an email which told me that they wanted to settle my claim, to be told that the claim number quoted is actually nothing to do with me, but while I was there would I like to spend about 15 minutes to fill in the claim form???????? 45 mins later!!! Exasperation set in as the young man on the other end of the phone told me the reason that it was taking so much time was that his typing skills weren't up to much! I could hear him painstakingly pushing each individual key whilst he typed in the notes against the case..... Thoroughly unprofessional, although not his fault they should train him! After spending £40.60 on a medical report from our doctors that they requested, we are now told we cannot claim that expense back and that they are now sending out another Certificate that needs to be signed by the GP which will incur yet another charge! Which apparently we can claim back! I wouldn't hold your breath. What a shower! If you have any sense Don't bother with Saga or Cigna or any of their other associated Companies, it really isn't worth giving yourself the grief! I always give positive feedback on Companies that deserve it not just the ones that don't but this time I really cannot stress enough 'Look Elsewhere!'