We purchased the travel insurance to protect us from loses should the trip suffer an interruption. My wife suffered an interruption that was the result of a heat wave in Paris. Expedia and the insurance assured that they would reimburse the losses but we would have to pay upfront. Paid $1800 out of pocket. Once we got home the insurance, AIG, rejected the claim and Expedia stood by the denial. This was the insurance company that we purchased at the recommendation of Expedia.