Not worth the money.

On two occasions I incurred disruption to my trip, and on both occasions, no worries travel insurance found loop holes that allowed them to get out of paying. In the contract, it states that delays are covered up to $5000. But in actual truth, most flight disruptions only pay up to $500, if anything at all. And let's not forget that excess must come out first, leaving you with barely any money back (none in my case because, as I mentioned before, they had a bunch of fine print that allowed them to sneak out of paying). I will never travel with this company again. Thankfully I wasn't hurt overseas; but did you know that the huge sum of money that health issues is covered for is broken down into fine print? Apparently, that $50000000 dollars, only allows you $100/day hospital stay cover. No hospital in the world charges such a small amount per day. This insurance is not worth your money or time. As they say- if you pay for peanuts, you get peanuts.

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