I have been a member now for 2 years but have yet to make a claim so not sure how good they are until that time.
The policy has everything I wanted with the usual restrictions as other policies.
So far so good
recommended but read the small print.

Competitive pricing for a high level of coverage. Have had an annual premium policy for a number of years. Very simple process to arrange for a policy. Excellent customer service.

Have decided it is too risky to continue to rely on credit card insurance given there are so many loopholes in most policies that make claiming and receiving a benefit too risky. The Columbus policy is clear on what is covered and when and gives you the option to drop coverage or pay for coverage for existing medical conditions up front. i opted to pay up front for a couple of minor health things that i take medication for. A couple of hundred dollars well spent if something were to happen and it hadn't been declared up front to the credit card based insurers. Hoping I'll never have to make a claim but confident that Columbus will come through if I do.

This was easy to select and purchase. So far no claims, and I hope to keep it that way.
The cover is adequate for me and my wife, and is good value.