Cowboy institution. I made a claim for bad knee pain, I saw the GP and orthopaedic consultant for the 1st time, within a month of... Cowboy institution. I made a claim for bad knee pain, I saw the GP and orthopaedic consultant for the 1st time, within a month of the continuous pain. Had an MRI, showed the cause of pain was a bone sticking out. Freedom refused to cover the claim, stating it was pre-existing. They said the knee pain was a pre-existing, as I complained to my GP of knee, wrist, fingers and ankle pain, just under 5 years ago, shortly after pregnancy, where I gained 5.5 stone. It’s a well known fact that women get pain in their joints around pregnancy, due to hormones and weight gain. Freedom would not cover my claim. They also claim to cover HCA hospitals in their Elite plan, but then make the process extremely difficult if you try to use them. Only have 1 manager who works part-time. Other staff can’t deal with query. Cancel procedures the day before, and on the day that they are planned for. They will do anything in their power to not pay out for procedures. Read more Read less