We didn't need to use the insurance, so no issues. I primarily had it for the evacuation protection, again which we didn't need to use. For the cost, this plan provides a good back stop; realizing that while traveling, you're on your own and all eventualities will come directly "out of pocket". When you are safely home and have filed claims with any other insurance coverage you may have, this plan will activate to backstop any uncovered expenses, to the limits of the policy you select. How well it would work I can't say, since I couldn't find anyone who actually filed a claim, but it was a cost effective back up, offered by a well rated company. Cheers
Wolfgang T. would
recommend this plan to a friend or relative.