Thanks for the replies.

I am thinking about more than just canceling the trip or changing dates. The coverage "summary" says it will cover the following:

Trip Cancellation Provides reimbursement for prepaid, non-refundable expenses, up to the amount of coverage purchased related to trip cancellation caused by a covered reason. $300

Pay $25.00 to cover potential $150.00 [cancel/redeposit fee] +$150.00 [one night hotel] loss. Not such a good value but it is part of the package.


Trip Interruption Offers reimbursement for the unused, non-refundable portion of your trip and increased transportation costs for you to return home due to a covered reason. $1,500

Meh, might be useful if a family member becomes terminally ill or dies unexpectedly, but doesn't cover pre-existing conditions. So, traveling home early won't be covered for that heart attack your mother has because she had a pre-existing heart condition, right??


Travel Delay Provides reimbursement for meals and accommodations if your travel is delayed for 6 or more consecutive hours. $500 (max $150/day)


Change Fee Coverage Provides reimbursement for change fees in addition to Trip Cancellation/interruption expenses. $300

These might be of use if the flight is delayed and I miss checking into the hotel. It might cover the one room night non-refundable fee. [I will be traveling internationally so won't be able to cancel 24 hrs in advance.] And the cost of alternative arrangements.


Plus medical and dental coverage except for pre-existing conditions.


I guess my real question is: Should one's trip actually be delayed or interrupted, will this company be reasonable and pay "fairly" up to the policy limits or will this be like pulling hens teeth?