This plan gave us the peace of mind that we had coverage for flight delays or if a medical issue were to occur while on our trip. Fortunately, we didn't need it, but the down side of not having it would have been an unnecessary worry. TruTravel sent us a link to the plan along with suggestions for our trip a few days before the journey. That made it easy to assemble the paperwork to take along on the trip. That was an unexpected bonus. I would highly recommend this insurance provider.