The crookedest place around! Submitting a claim is a complete hassle and the requirements are nearly impossible. They are making so much money off not giving refunds. I cannot even believe these people can be in business. I had purchased airline tickets for my husband, my two children and me but had to cancel the trip to stay back to take my mom to some doctors appointments as she was diagnosed with some pretty major things like 3 days before we were to leave. They will NOT refund our money. They are asking for a doctors statement and medical certificate from the doctor. I explained that it is my mom and she is not allowing it and therefore i would have no access to it because of HIPPA and such. They don't care one bit. HEARTLESS THIEVES!