Doesn't ACTUALLY cover inclemate weather! If I could give 0 stars, I would. The event was not held on the date for which our tickets were purchased due to "the impact of the inclemate weather from Thursday's storm". We were free to exchange our tickets for another date however, Neither of us were able to attend the event on another date offered due to work schedules and prior commitments. (needing to miss the event due to a work conflict is also listed as something that SHOULD have been covered under this insurance policy) I purchased the insurance on these tickets for exactly these reasons but really, this company just has a way out of everything w/ all the little loopholes and exclusions tied up in the fine print and legal jargon. The documents I retrieved and uploaded as proof were nothing but an exercise this company put me through. I would NOT recommend purchasing this company's "insurance", in fact I would advise against it.