I'm sad that zero stars isn't an option. I've bought these policies for years when I travel or go to shows. After purchasing many but never needing to file a claim - I filed a claim for a reason that is supposedly covered by their policies and was denied. There's so much small print. These policies are worth nothing to the consumer in the end. The only one getting paid as a result of this "insurance" is Allianz. Don't bother. In the event you can't make your trip or show, they won't pay you anyway. You're just out your trip AND the money you paid for the Allianz policy.