I went on vacation, and during my trip I took a fall. My shoe must have gotten caught on one of the cobblestones. Both my knee and my face fell on the cobblestone sidewalk. I ended up with a bloody nose, a banged-up knee, and major tooth pain. I had one of my friends call my dentist back home for an apt as soon as I got home. I got home, and within 5 days I went to the dentist, ENT, & chiropractor for an X-ray. I paid $500.00 for this travel insurance. They sent me a denial letter saying that I did not fall within their medical guidelines. I WILL BE GETTING MY MONEY BACK, MY BILLS PAID, OR FILE A LAWSUIT. This company is a SCAM. Do not get insurance from them.