We've purchased trip insurance several times from Tripinsurance.com. Our questions were answered promptly. Luckily, we have never had to use the insurance for our trips. The true test would be how problems/reimbursements are handled. We went with this independent company after having an issue with insurance purchased through the trip provider, Globus. Plane never came, called immediately. Luckily we also called our credit card about the final payment and we did receive that back but lost the deposit and other money despite not our fault. Globus and their insurance co just gave us the runaround.

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