I got insurance from this company for a bunch of my events, thinking it'd be worth it. Turns out, it's just a scam. Had to miss my last race due to a sudden work emergency. Thought it was no biggie because I had insurance. Went through the whole process with Fan Shield, and they denied my claim. Even had to ask my boss for a signed letter, which was super awkward, and they still said no. Apparently, you need something extreme like a death certificate to get your money back. Definitely not wasting any more money on this useless coverage. Avoid this company if you can.