Due to traveling independently and booking transportation, lodging and excursions over several months, we had to ask a lot of questions about what expenses to cover and when to cover them. The InsureMyTrip customer service was very helpful in explaining how this works in general and in particular with each insurer. The representatives were pretty consistent, although not 100% in sync. There is a lot of room for interpretation--some probably err to the side of caution. Never assume anything specific based on a general answer, and never assume anything general based on a specific answer!
RICHARD D. would
recommend this plan to a friend or relative.