The above binary formatted questions don't allow for accurate or complete answers. While the purchasing phase of the policy went fairly smoothly, an insurance company's policy coverage performance can't be fully evaluated unless a claim is filed. Since I didn't need to submit a claim, I can't rate the program's performance on what is arguably the most critical aspect of the transaction. That's why the 3-star rating.
NANCY E. would not
recommend this plan to a friend or relative.
Honestly, since I did not have to make a claim it is hard to evaluate the coverage. However, for the tour an insurance was offered and required; but unavailable for people outside the US. The price was reasonable in complying with the requirement of the trip
Michael C. would
recommend this plan to a friend or relative.