I would give tripmate less than 1 star if able. I purchased this policy in case of emergency while on vacation - which is what it is for- right? Well- the emergency happened and I needed to get home early (person house sitting/dog sitting disappeared and my dogs would not have survived - literally - locked in a home without food/water for 3 weeks). This is not considered a covered reason because my home had not been "deemed uninhabitable" -wth?!?! I have purchased these insurance plans many times - never again - what a SCAM!