Returned flight booked

Have either of you ever had to use their service?

My travel companion and I always buy the insurance offered at the time of flight booking - it's usually through Allianz. If you are booking through different airlines for departure and return, you can buy only once and easily adjust the amount of coverage later on to include your total airfare as well as non-refundable deposits. My companion recently saw a doctor in Jamaica for kidney stones. The cost was low (actually lower than the deductible) but they paid his claim anyway. I mostly buy it in case I need to alter or cancel plans due to family illness; he buys it for medical evacuation coverage since his health insurance doesn't cover it.