They are here to rip you off, read reviews before purchasing insurance from these people, they get the insurance and when it comes to flight they do all they can, not to pay, they have all the excuses possible not to pay you what they have promised to, they are terrible, avoid them, I wish I had read the reviews first, but I did not, I paid 250$ for insurance on a flight 1000$, and I had contacted them way in advance before they flight and explained the situation and their untrained staff said all is good, just wait and after the flight date submit a claim and you can guess the results.