We purchased our travel insurance from this company. Our plane was delayed because of mechanical which caused us to miss our transportation and a tour. They would not pay to cover the loss of either because it was plane mechanics. Also my husband missed an excursion because of illness and they wouldn’t pay because you have to purchase before the trip, but you only pay for cruise excursions at the end. Not sure why we would purchase insurance if it doesn’t cover our expenses on the trip. Also, it took two weeks to respond after I spent a whole day to submit all the paperwork they demanded. I submitted 19 documents. I’ll never get that whole day back!