Avoid this company at all costs. Look carefully at the reviews on trust pilot. The positive ones look very dodgy. Take time to read the negative ones. I missed my outbound flight due to falling ill with a sickness bug on the way to the airport and they won’t pay out on the basis that I can’t provide a doctors note. No one with half a brain goes to a doctors or hospital with sickness and diarrhoea. Especially not at 3am in the morning. The risk to others so poorly and vulnerable in a hospital could be catastrophic. My claim is a mere £200. They are so patronising on the phone (in the USA) say how sorry they are to hear you missed your flight blah blah but from the get go, they have no intention of paying out. The girl on the phone is just taught to say no and she sounded extremely incompetent and I had to repeat myself lots of times.