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Ambledown
Verified Business
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AI Review Summary
Based on recent customer reviews, Ambledown is facing significant dissatisfaction from gap cover policyholders. Customers consistently mention prolonged claim processing delays, repeated requests for the same documentation, and automated responses that fail to resolve queries. A recurring theme is frustration with claim rejections citing pre-existing conditions, lack of authorisation, or scheme rules, leaving members feeling unsupported during medical emergencies. Reviewers also highlight unhelpful call centre interactions, lack of empathy, and poor escalation processes. Many express intent to switch providers, feeling the cover does not deliver on its promised peace of mind.
Performance(last 12 months):
TrustIndex
2.9
Ranking
#97
in Insurance
NPS Score
-50
Recommended: Unlikely
Review Distribution
1.4|14 Reviews
Jul '25 - Jun '26
Recent reviews (14)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceA
Anonymous
1 reviews | Active since Jan 2020
27 May 2026, 23:45
Appalling service
Its almost two months of putting a claim, and I keep getting emails to submit the same documents that I have already submitted, looking at their reviews, its evident that this is their modus operandi, Employers need to be informed so they can source better for their employees, their service is beyond appalling. You get sent from pillar to post and their agents are never available to address your queries
Helpful (0)
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Anonymous
1 reviews | Active since Jan 2020
27 May 2026, 23:45
Appalling service
Its almost two months of putting a claim, and I keep getting emails to submit the same documents that I have already submitted, looking at their reviews, its evident that this is their modus operandi, Employers need to be informed so they can source better for their employees, their service is beyond appalling. You get sent from pillar to post and their agents are never available to address your queries
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Replies (1)A
Anonymous
1 reviews | Active since Jan 2020
24 May 2026, 20:10
Outstanding Ambledown Claims
I am raising a complaint regarding Ambledown Gap Cover. My claims under policy AMBL0602506 remain outstanding despite being due for processing between approximately 11 May and 21 May 2026. The following claims are affected: Claim No. 2026/014545 Claim No. 2026/014161 Claim No. 2026/013015 Claim No. 2026/012782 Claim No. 2026/012802 This delay is unacceptable. I request that Ambledown be instructed to finalise these claims and ensure payment by 25 May 2026. Kind regards, Fatima Bagaria
Helpful (0)
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Anonymous
1 reviews | Active since Jan 2020
24 May 2026, 20:10
Outstanding Ambledown Claims
I am raising a complaint regarding Ambledown Gap Cover. My claims under policy AMBL0602506 remain outstanding despite being due for processing between approximately 11 May and 21 May 2026. The following claims are affected: Claim No. 2026/014545 Claim No. 2026/014161 Claim No. 2026/013015 Claim No. 2026/012782 Claim No. 2026/012802 This delay is unacceptable. I request that Ambledown be instructed to finalise these claims and ensure payment by 25 May 2026. Kind regards, Fatima Bagaria
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Anonymous
1 reviews | Active since Jan 2020
19 May 2026, 06:42
poor service
i logged a claim on the 4th , yesterday i only received feedback that certain documents are needed from a Hospital i didnt even go to , i claimed for different Months but the document requested is for another month which my medical aid paid for . tried to call the office and didnt get help (Debbie was very nice but also didnt understand why the form is needed ) i really thought this will be an easy experience but
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Anonymous
1 reviews | Active since Jan 2020
19 May 2026, 06:42
poor service
i logged a claim on the 4th , yesterday i only received feedback that certain documents are needed from a Hospital i didnt even go to , i claimed for different Months but the document requested is for another month which my medical aid paid for . tried to call the office and didnt get help (Debbie was very nice but also didnt understand why the form is needed ) i really thought this will be an easy experience but
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Replies (0)A
Anonymous
1 reviews | Active since Jan 2020
27 Feb 2026, 15:14
Claim never progresses
You send in the form, they reply with please fill out the form. You send it back, they ask for the form again. They ask for all sorts of other documents no other gap asks for. They just seem to be sending me round and round in circles for 2 weeks, getting nowhere. Will look to switch. Maybe it's AI not answering you, but I have filled out the form and attached it multiple times, with only ever getting automated responses they recieved it, and when I follow up they say fill out the claim form... again.
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Anonymous
1 reviews | Active since Jan 2020
27 Feb 2026, 15:14
Claim never progresses
You send in the form, they reply with please fill out the form. You send it back, they ask for the form again. They ask for all sorts of other documents no other gap asks for. They just seem to be sending me round and round in circles for 2 weeks, getting nowhere. Will look to switch. Maybe it's AI not answering you, but I have filled out the form and attached it multiple times, with only ever getting automated responses they recieved it, and when I follow up they say fill out the claim form... again.
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Anonymous
1 reviews | Active since Jan 2020
4 Feb 2026, 21:47
Still awaiting feedback 15days later
In December I had to have an emergency procedure. What was just a visit to a specialist became an emergency day admission procedure. I submitted my documents by the 14th of January 2026 and the consultant had acknowledged receipt saying the turn around time is 14 working days. On the 2nd February I received an email because I missed the call to verify banking details as I had already paid for the co payment up front to the hospital and was claiming back from gap cover. The consultant verified banking details and advised they would do a payment if approved. However 6 days later there is still no feedback. Gap cover is taken to avoid unforeseen expenses and shortfalls. I did not expect to be hospitalised after an appointment. I am still awaiting a response til today.
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Anonymous
1 reviews | Active since Jan 2020
4 Feb 2026, 21:47
Still awaiting feedback 15days later
In December I had to have an emergency procedure. What was just a visit to a specialist became an emergency day admission procedure. I submitted my documents by the 14th of January 2026 and the consultant had acknowledged receipt saying the turn around time is 14 working days. On the 2nd February I received an email because I missed the call to verify banking details as I had already paid for the co payment up front to the hospital and was claiming back from gap cover. The consultant verified banking details and advised they would do a payment if approved. However 6 days later there is still no feedback. Gap cover is taken to avoid unforeseen expenses and shortfalls. I did not expect to be hospitalised after an appointment. I am still awaiting a response til today.
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Replies (0)A
Anonymous
1 reviews | Active since Jan 2020
2 Feb 2026, 14:56
Totally ignored on Gap Cover Claim
I took out gap cover for my mother who is a 77 year old pensioner .She recently had to have surgery unexpectedly , the specialists surgery claim balance outstanding was submitted to Ambledown on 19 December 2025 .To date ( 02 February 2026) we have yet to have any feedback , Enquiries via telephone and email produce the same response " still being accessed " or "claim has been escalated" . This delay in response is causing my mom a lot of stress and anxiety as she has no source of income and the amount outstanding on the drs account is way above her financial means . The whole point of taking the gap cover is for peace of mind that instances like this will be covered . So quick to take debit orders but when it really counts you measure a company on customer service which in this case has been pathetic to say the least .
Helpful (0)
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Anonymous
1 reviews | Active since Jan 2020
2 Feb 2026, 14:56
Totally ignored on Gap Cover Claim
I took out gap cover for my mother who is a 77 year old pensioner .She recently had to have surgery unexpectedly , the specialists surgery claim balance outstanding was submitted to Ambledown on 19 December 2025 .To date ( 02 February 2026) we have yet to have any feedback , Enquiries via telephone and email produce the same response " still being accessed " or "claim has been escalated" . This delay in response is causing my mom a lot of stress and anxiety as she has no source of income and the amount outstanding on the drs account is way above her financial means . The whole point of taking the gap cover is for peace of mind that instances like this will be covered . So quick to take debit orders but when it really counts you measure a company on customer service which in this case has been pathetic to say the least .
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Replies (0)A
Anonymous
1 reviews | Active since Jan 2020
19 Dec 2025, 10:39
Ambledown - what is happening!
Submitted 2 claims 8/12. Made a phone call to help center. Went through the security check. Eventually asked me for the claim reference numbers. I quoted it many times - it is a 6 digit number ONLY! I get told the claim will be escalated as it was already logged in September!!!! After a debate, i was aske "are you not Mrs. (completely different surname) The incorrect claim number was entered. Why the hell do a security check and confirm my ID and what ever goes with that, if you now call me someone else. What a joke. Asking to speak to the supervisor, "she/he is not available' What else did I expect. You report to your "senior" that is missing in action. This is every time i make a claim. Please do not send an apology like you do to ALL the other complainants. No reference but only a name. I will be kind today and not name and shame, but this will happen going forward. Rather DO SOMETHING to train your help center people! Invest in your people, or manage them. From a very disappointed customer. Erica
Helpful (0)
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Anonymous
1 reviews | Active since Jan 2020
19 Dec 2025, 10:39
Ambledown - what is happening!
Submitted 2 claims 8/12. Made a phone call to help center. Went through the security check. Eventually asked me for the claim reference numbers. I quoted it many times - it is a 6 digit number ONLY! I get told the claim will be escalated as it was already logged in September!!!! After a debate, i was aske "are you not Mrs. (completely different surname) The incorrect claim number was entered. Why the hell do a security check and confirm my ID and what ever goes with that, if you now call me someone else. What a joke. Asking to speak to the supervisor, "she/he is not available' What else did I expect. You report to your "senior" that is missing in action. This is every time i make a claim. Please do not send an apology like you do to ALL the other complainants. No reference but only a name. I will be kind today and not name and shame, but this will happen going forward. Rather DO SOMETHING to train your help center people! Invest in your people, or manage them. From a very disappointed customer. Erica
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Replies (0)