I've rented through VRBO and Homeaway for at least a decade. However, my last two rentals were really disappointing as far as the condition of the property. So, I got a carefree rental guarantee policy for my August 2015 beach vacation. Upon arrival the maintenance of the property, along with other issues, was so bad I had to leave. So, imagine my surprise when I found out what I purchased wasn't anything like trip protection insurance. It is not even insurance. I wanted to speak to someone at Trust and Security about the refusal of my claim and found out they don't have a phone number and all contact is only through email. How convenient for them to be able to fob off claims, huh? When I complained that I had never encountered an insurance company where I couldn't speak to a claims adjuster, VRBO told me it isn't insurance. I don't know what it is but it is very misleading and certainly not any sort of carefree guarantee.
UPDATE ON Tamara Miller, Ocean Park, Washington, VRBO *******.
Despite purchasing the carefree rental guarantee and using my Capital One card, I am out three thousand dollars. Rental guarantee is useless and Capital One did not have my back, even though we were excellent customers of a decade. Now I will only use Airbnb, as one doesn't pay until one gets to the property. No more prepaying for a poor rental. And Capital One is dead to me. I'm going with Citicard double cash back and United Explorer for my credit purchases.