This is a well known company that purports to protect you when you buy a policy. Unfortunately, the company, in our experience, does not do what they claim. They did not accept collect calls from China. They did not offer to help when my wife became ill. They tell you to do what you need to do, and save receipts. They did not offer to get us a flight home, when we needed to return to the states because of medical emergency. They did not even have a working fax machine to accept the many pages of proof of illness and expense. They did not pay claims (even partially) in 10 days (claimed they were very busy). Did not pay all of the expenses submitted (i.e. ride from airport to home, as they said very sick person could have taken a bus or something). Did not pay for the taxes and surcharges from airline for flights and changes. Best suggestion, be very careful if you deal with this company. .