I would avoid Vumi at all costs unless you are desperate for a company that has lost the customer service plot these days. I was contemplating changing from outpatient to inpatient only and once filling out the form for a new quote they reverted me nearly a month before had to the outpatient policy that I was inquiring about. they then when this was brought to the attention by myself and the agent that sold it they were wrong they continued to not change it leading to stress and aggravation making me wonder why I paid for what was good insurance with good customer service in the past. They deny it as being fraud and blame the fact that people make mistakes. I look at is a fraud plain and simple so we agree to disagree. Then in the policy renewal these same people continue to cause chaos by sending me requests for information that they have already pre approved and have and that I do not have on hand. Hopefully the customer service comes back but I would be very careful before taking out a policy with them if you are considering it.