Buyer BEWARE. This company is a scam. We were sold this insurance by AAA without prior investigation. We planned a Hawaiian vacation to the Big Island & Maui. We cancelled with 4 months notice due to the Kilauea volcano eruptions. They denied our claim after 4 months and indicated that we would have to live in the uninhabitable area with toxic fumes, vog and poisonous gases. They are thieves to keep our money. Do not use this company.