Paid for insurance for my niece, but emailed them within the 14 day grace period to cancel. This was due to the fact we had to cancel our trip due to the corona virus. Even though I have emailed them 4 times, and repeatedly tried to phone them (30 minutes + on hold each time and never answered), I have had no reply from them. I understand this is a difficult time for all, but their customer service is extremely poor. I feel that they are just waiting for me to give up then they keep my money. Would not recommend them at all and still not got any money back.