I had to cancel my son's trip to Washington as he came down with a stomach virus the night before. I was told that you had to cancel 24 hours in advance with the added insurance in order to receive it. I would never have purchased the insurance had I known this. The presentation I attended at our school was very misleading. I have written back and forth with the company and have gotten nowhere. I also received three emails from them, one of which stated I would get a refund and one saying sorry but you are not eligible. As a parent with limited income I really had to scrape the money together to send my son on this trip. He was so excited and so sad that he could not go. The eighth grade Washington trip is a big deal at our school. I would warn anyone against doing business with this company. I also let our school know. In the future when my kids are in college, if Worldstrides is offering any trips they will not be participating.