Basically, they just want your money. So if anything happens you're screwed. It's no wonder they have horrible reviews everywhere, the customer service is disgusting. I had a family emergency, they were rude, asking for personal documentation of medical records (that I couldn't get and didn't want to share...) and they blamed the hotel for not issuing a refund when it was their fault. Save the hassle, use Expedia, HotelTonight, literally ANYTHING else.