Absolutely do not use this company!!! We purchased a Tin Leg policy through Squaremouth for an anniversary trip to Tahiti. It was this past July. The flight crew went on strike and we were stranded in Tahiti for several days with no way to get off the island. We called Tin Leg several times for help/clarification and the only thing we were told was to make sure to keep all receipts, etc. and to file a claim once we got home. We did this and immediately submitted a claim when we finally returned home. After having to go through a phone interview, several weeks of emails going back and forth asking for everything multiple times, a few more phone calls and emails, they denied our claim stating that we could not be covered because our return date was after the date we had covered. Ummm...yes, we were stranded! Apparently, we are supposed to insure trips for extra days just in case we get stranded is what I have been told (even though we had trip interruption/cancellation/and delay coverage). We appealed the decision and were given the same answer. The only cost they covered was lunch on the day that we were supposed to leave. $44 out of the $900+ we submitted. We appealed to Squaremouth who claim that they have a Zero Complaint guarantee. We were given the same answer. Basically, buy trip insurance as long as you are certain you are not going to need it.