My only issue with the plan was that lost baggage coverage is secondary. I had the option of buying a more expensive plan with all coverage primary. It was my choice save money to go with secondary lost baggage. In the future, I think I'll stick with all primary coverage to greatly reduce the paperwork should I make a claim. Luckily, I've never needed to make a claim on any travel insurance I've ever purchased.
Robert W. would recommend this plan to a friend or relative.