Did not cover flight cancellations. Was stranded in Idia due to Jet airways cancelling flights. Rang them they said book a flight and we sort it when you in the UK. Turns out their Platinum Insurance DOES NOT COVER CANCELATIONS something you need travel insurance for. They are the worst to deal with and avoid them at any cost. Complaint done and they said terms dont cover cancellations which is just really bad. They are underwritten by AXA who covered my sister who was also travelling with me and had the same issue. Do yourself a favour and go with another company as these people are really bad!