Scam and fraud all I can say. Don’t waste your money. They will find any excuse not to give you a refund. My trip was insured, my baggage was insured. I arrived to the destination. My baggage was delayed as it wasn’t transferred from overseas by the airline. Did not have my bags for 2 days. Insurance refused to give refund explaining that my trip was over when I lended…well… Don’t waste your money. They won’t refund you anything!