I always buy travel insurance on expedia when I book a trip and the main problem has always been the high price I would pay for travel insurance. Squaremouth has been able to consistently offer me the lowest price on travel insurance and for those of us who may have to cancel at the last minute for medical reasons it is almost a necessity to buy the insurance. I have yet to actually cancel a trip so I cannot speak to if they pay out but I can say they are the cheapest around.