I have been using them for the last 4 years for all of my international trips. Had to use them once for delayed baggage compensation. They came through. My bags were delayed in Edinburgh and the airline did not provide any compensation. Insureandgo covered all charges I had to pony up except for cell phone.

all in all worth it. claims prices easy. called and opened a case. They assigned an agent to whom then I had to email/fax the receipts, flight ticket, boarding pass etc and that was it.

good experience for me!