This policy was less than half the price of what the travel agent offered. I decided to change my policy and called a customer care representative, and cancelled one and bought another. I trusted that I would be refunded but was not guaranteed. I was promptly refunded for the policy I cancelled. They were very nice. I added my Goddaughter onto my policy, who traveled with me. Because she is so young, instead of it costing more to add an additional person, it dropped the price. This is an excellent company to work with, with excellent service and followup. I was given contact information for numerous situations should I have needed to use the insurance.
recommend this plan to a friend or relative.