Opted for trip protection for a family visit and read the plan summary carefully. Buying was easy. When a storm forced changes, I opened a claim online and uploaded receipts. Communication was polite but paced, and they asked for extra documentation I hadn’t expected. It took a while, then we received a partial reimbursement based on the terms. What stood out, positively, was the clarity of the self-service portal. Negatively, the back-and-forth on documents felt long during a busy week.