This travel insurance company does not legitimately pay for claims that should be paid for according to their rules and regulations. And takes weekly calls to them for 6 months to receive a different answer every time you call. I am not sure why the cruise companies would deal with this unprofessional and ridiculous company. This is a total waste of your money to purchase. If you need to file a claim beware they do not pay even though there is no reason for them not to pay. It is a scam.