I purchased the policy through the UAL site. During my flight I thought I I had a potential claim. I tried contacting Travel Guard (emai I got a response (email) that siad: Questions will be filed by a claims agent. After my trip, I filed a claim (elctronic) . It was denied. Note: there is no contact with Travel Guard represenative until a claim is filed. I then tried calling because I wanted to appeal on the basis of information that was not available to me at the time I made the claim. The reply (phone message) : I was informed that I could provide new information but that I would probably be denied again. I provided the information, but there was no response. I was never able to connect, by phone, to a travel Guard Customer Service to discuss the the nuances of flight cancellation, delayed flight, and missed connections. My take: I was being stonewalled. I wrote a letter (paper) to the parent company, AIG, addressed to the CEO (Mr. Peter Zaffino and the Board of Directors, informing them that lack of response on a Customer Service question did not reflect well on the leadership of the company because an individual could be not only a customer, but a potential client or investor. I simply requested a contact to Customer Service. I have not received a reply.

I made my comments to differentiate between United Airlines Customer Service, which was very responsive and Travel Guard, whose Customer Service, in my situation was non existant. I will travel again with United. I won't do business again with Travel Guard. Hope this answers your question.