I wish I could give zero stars. This product is a waste of money. We bought a policy for a United Flight for my husband who is serving as a caregiver for his brother while he undergoes a Bone Marrow Transplant at City of Hope in Duarte. My husband had to change his flight to work around the patient's appointments. We filed a claim for the change fee and provided necessary documentation. It was immediately denied. We called a representative who told us to file some additional form and are still waiting to hear back. We have dedicated around 6 hours to collecting our $200. Not worth it. Don't buy.