I purchased travel " insurance " through Expedia who uses this company. When it something came up and I needed to cancel my flight, they claimed that my reason wasn't "valid". They asked if I had read the policy. You mean the 4 pages of fine print? No. But I jags bought travel insurance before, and not had a problem with canceling and getting a refund. Do NOT BUY TRAVEL INSURANCE from Expedia or travel guard