Less than 1 star! Booked a 1-night stay with the insurance that stated No-Hassle/worry-free 100% refund. And 10 hours later, I need to cancel due to a family concern. They push you to a broken process that wants your BANK ACCOUNT information, even if you used a credit card. I refused to upload that information, so I went to chat, and they said that is their process, then they discontinued the chat. I tried to call them, but the phone number is no longer in service. Then I did some research on Reddit and found another number that worked, but they still will not refund my "no-hassle/no worry" insured stay for any reason. The insurance did not work; they wanted "proof" and a doctor's note (ummm, HIPAA?) to confirm. The lady kept pushing back and said that it's their process to obtain my bank account information. I asked her if she would feel comfortable giving her bank account information if she used a credit card, and she wouldn't answer the question, because she knows that's a bit shady. Then they signed me up for some $15/month membership that I did not sign up for, and that was incredibly difficult to cancel as well. Their process was broken, and you had to talk to someone for 20 minutes to get it cancelled. Lastly, there is a high potential for them to double charge you, as I have seen on my PayPal report, but I am waiting to see if it processes. DO NOT USE THIS COMPANY! Learn from my $250 mistake.