Don't waste your money. They only care about collecting premiums but will deny every claim whether legitimate or not. They make up some lie about why it was denied, even though they have zero evidence to back up their claim. COMPLETE SCAM
We paid extra for the "flexible ticket" option. On the same day I tried to change our flight times but they wanted to charge me $400 to change a $100 ticket. Someone explain to me how that is "Flexible".
Tip for consumers: Run away, go use a reputable business. These guys will rip you off.