Sofia and Luis are devoted parents, working hard to provide for their two children. They both worked for the same company, earning modest incomes.
They had a repayment mortgage and only basic accident cover.
When they first came to us in 2020, we took time to understand their situation - and the risks that might leave them exposed. That’s when we suggested a more complete protection plan, including Critical Illness Cover with children’s cover built in - because serious illness doesn’t happen only to adults.
They agreed. It felt like a sensible safeguard for the future. Something you hope you’ll never need.
Their teenage son was in the prime of his life - active, sociable, full of plans. Then, without warning, he was rushed to hospital.
Multiple infections led to a devastating discovery: a tumour on his heart. His condition was life-threatening. He needed emergency surgery.
He survived - but recovery meant time in intensive care, followed by a long road to healing.
For Sofia and Luis, the emotional shock was matched by the financial strain. They took time off work to be with their son, losing income while facing mounting costs at home.
As soon as we heard, we reached out. We explained the claims process, kept in regular contact, chased medical reports, and made sure they knew what to expect.
Although English isn’t their first language, it was never a barrier. From day one, we adapted our approach - taking extra time to explain each step clearly, checking in often to make sure nothing was missed, and ensuring they felt confident, informed, and fully supported at every stage.
When Luis began to struggle financially, we informed the brilliant claims assessor at Guardian. They went above and beyond - searching for appropriate support services to help Luis and his family. Through Guardian’s Halo services, they received counselling to help him cope during those incredibly difficult weeks.
We stayed close to the case, managing the process and providing extra help wherever possible.
A little over a month after the claim was initiated, it was settled. £25,000 was paid to the family.
It didn’t take away the stress - but it gave them breathing space. Enough to focus on their son’s recovery instead of worrying about bills.
We had no idea how to navigate the claim process, especially with everything else going on. Waddle guided us every step of the way, made sure we understood all our options, and helped us access support we didn’t even know existed. Their advice and help made a huge difference when we needed it most.
Since that experience, Sofia and Luis take no chances with their protection. Waddle stay in regular contact, checking on their son, and have since upgraded their cover to the most robust plan with the latest enhancements, and ensuring their protection cover is completely watertight. Luis is confident that their protection can weather any storm, thanks to Waddle.
Children’s Critical Illness Cover isn’t just for little ones. It can be a lifeline for teenagers and young adults too.
We can’t prevent the unexpected. But we can make sure families have the right protection - and that, when the worst happens, they know we’re here to walk them through every step - with patience, clarity, and unwavering support.
If you’re self-employed, work with your hands, or just aren’t sure what cover you’ve really got in place - don’t go it alone.
Stand with a team that’s built to protect, support, and shield you from the storm - whatever life throws your way.
Because life doesn’t always go to plan, but your protection absolutely should.
Graham came to us for a second opinion on his protection. We uncovered a 17-year-old policy with unbeatable cover - one worth holding onto. Two years later, after a stroke, that legacy policy paid out £75,000 when he needed it most. The right advice. At the right time. For all the right reasons.
When a simple dog walk turned into a career-ending injury, things could have spiralled fast - no sick pay, no income, no Plan B. But one smart conversation with Waddle changed everything. From day one to diagnosis, we were there - protecting their income, guiding their claims, and keeping life afloat.
We’ve got you.
Whether it’s a bump in the road or a full-blown storm, you’re not on your own. Making a claim with Waddle is simple, human, and hassle-free - because the last thing you need right now is paperwork stress or policy puzzles.
We just show up, sort it, and stand by you - like we said we would.
Already have protection in place? We believe your cover should grow with you. Our friendly Policy Check reviews what you have, highlights strengths and gaps, and gives honest, expert advice to keep your cover working its best for you.
