DO NOT USE insurefor.com direct or via comparisin sites. Direct Group Travel Services handle claims on behalf of Rock insurance Company who sell travel insurance on comparison sites under the name of INSUREFOR.COM These companies are not interested if you ever need to claim on your policy. They do not communicate and refuse to comminicate with the claimants hoping that the claimant will eventually give up. I suggest you avoid purchasing Insurefor.com /ROCK INSURANCE policy.