We purchased trip delay insurance from travel guard prior to our trip to Rome. We arrived at the airport on 12/24 and due to very very bad weather in Amsterdamn, we we not allowed to travel. We had to spend the night in Seattle and incur hotel bills, cabs, and phone expenses. We also had a pre-paid room in Rome that was non refundable. We sumbitted a claim for reasonable expenses which total $350 dollars. After 8 weeks of back and forth, them coming up with many many poor excuses, the sent me a check fo $76. The biggest scam in the world. Do not buy travel insurance from them. I was being fair, clearly they aren't.