Can we add the option for 0 star rating

If I could rate 0 stars I would - don't sign up unless you want to waste your money and I was signed up on the most expensive option even hoping I would get the best coverage. This has been one of the most frustrating and exhausting customer service experiences I’ve ever dealt with.

My claim (related to a November 2025 incident, but only submitted in early March 2026 due to delays from my healthcare provider) has been dragging on for months with absolutely no resolution. From the start, I submitted my claim form through Kaelo’s website and received a confirmation email as proof. Despite this, I’ve been repeatedly told—over and over again—that they are “still waiting” for my claim form even though I share the proof with them and even though no claim can be opened without a claim form submitted.

After countless back-and-forth messages on their WhatsApp line (which is essentially useless), I was eventually sent a PDF claim form to complete. I filled it in immediately and emailed it through as instructed. Then came another long silence… only to receive yet another email saying they are STILL missing my claim form.

At this point, it feels completely ridiculous. How many times must the same document be submitted before someone actually does their job? There is zero accountability, zero urgency, and absolutely no sense that anyone is genuinely trying to resolve the issue.

Their WhatsApp support is nothing more than a deflection tool—they just push everything back to email, where you’re forced to wait 7–10 business days (if not longer) for a response that leads you right back to square one. It’s an endless loop of delays, repetition, and wasted time.

Honestly, it feels like a deliberate tactic to wear customers down until they give up on their claims. Whether that’s intentional or just extreme incompetence, the result is the same: no payout, no progress, and a completely unacceptable experience. This is not the first time I am having issues with them but will definitely be the last. I would never sign up with them again.

I would strongly advise anyone considering Kaelo Gap Cover to think twice. If you ever actually need to claim, don’t expect efficiency, clarity, or even basic customer service. Rather set aside the money every month and build your own safety net because they won't cover any gap.