BUYER BEWARE!!! I wish I could give zero stars!! They take your money really easily and happily when you buy the insurance. But if you need to file a claim it’s next to impossible. Even if you manage to get your paperwork submitted, you will NEVER hear back from them. You will be forced to call multiple times and be on hold for hours. Only to be told that you are in the line to be reviewed but they are very behind. Finally I found a woman’s email address on linkedin that worked for the company and emailed her after a month of no reply after submitting my paperwork from a trip that I couldn’t take because of new vaccination requirements by the country that I was traveling to. There were 3 weeks notice by the country of their policy changing before my trip. Even If I wanted to get vaccinated (I don’t!! I HAD covid already) I would never have had time to get two shots and have a two week waiting period. Finally after threatening giving bad reviews (which I’m doing anyway) they sent me a response. That they aren’t covering my trip. Meanwhile I bought the more expensive comprehensive covid policy. But they found a loophole and said THAT specific reason wasn’t listed so too bad for me. So now I’m out $5000 for my trip, PLUS the trip insurance money. STAY AWAY FROM THIS COMPANY. SCAM SCAM SCAM.