I'm going to keep this review very simple. If I purchase a travel policy and I'm unable to go on my trip. You're not going to give me a refund, but a credit. That has to be used within one year of the credit issue date. If my future/new trip is much less than my original trip. Which means my trip cost will be decreased. Which means my new policy will be much cheaper. I can not get my remaining funds back or use the rest of my credit towards a new policy...
I am one and done when using my credit. It's a SCAM! RUN!