Very poor. I would not recommend anyone to use this. It is a scam. You pay extra for the insurance and they keep your money. My family and I are on a strict budget and save to make a trip to our family every year and this one time we decide to change our trip plans to travel instead of fly, they deny my claim to receive a full refund. That is my hard earn money I spent. I cancelled in a timely manner and was patient with their horrible response time and customer service. This is unfair and unjust. I am now down 1500.00 along with the crappy 200 spent for this insurance. Avoid this company at all cost they just take and hold your money hostage and do not fight for the hard working people. Prejudice and unjust company