This insurance (run by AIG) is a total scam. We purchased it with our trip through Travelocity recently and were prodded to buy it, mentioning that we would receive "peace of mind" and "protection" for any unforeseen events. We were flying to see a friend with terminal cancer. Days before our flight departed, he died. We did not make the trip out and filed this insurance claim, filling out the extensive paperwork, including copies of the obituary. Within one week it was denied; they said something about it not qualifying because it wasn't "immediate family". Garbage policy. Will not give you peace of mind. I would always opt not to get this; it's just a waste of $50-odd dollars. Also, the flights that we ended up not taking; I called them and they gave us a travel credit (to be used in the future) anyway. Even better, the hotels and rental car refunded us completely since we called them right away and had not yet used the services. Stay away from Travelgard AIG insurance. SCAM!