I've used them in the past. They are typically a bit more expensive than some other options, but they have a good reputation. Luckily I've never had to submit a claim with them. I did however get a refund on a nonrefundable policy for a trip in March 2021 that was cancelled due to COVID. Policy booked in February 2020 and I didn't think to cancel it until well after the trip was supposed to have happened (I never informed them of it's cancellation--just wrote off the cost) when a family member suggested I call. In January 2022 I called them and they refunded it after I told them I never took the trip. Outstanding service if you ask me.