SCAM!! UPDATE: After leaving negative reviews and filing a complaint with BBB the company is working with me to resolve the issue. SCAM!!! Only pays in “specific” situations, as if life is that predictable! DO NOT PAY FOR THIS IT IS NOT WORTH IT!!!

This company is a complete scam This company is a complete scam, do not purchase the protection insurance. It only covers certain unexpected events, so if you don't fall under their guidelines, you are completely screwed. They're just like any other insurance company, THEY DON'T PAY, PERIOD! DO NOT waste the extra $20-$30 per ticket these grifters offer you to replace your ticket price in case of unforseen circumstances. They're only there to fleece you out of an extra $100.

great coverage I always end up buying insurance on things and never needing them. This wasn't the case recently as I neared my event and was unable to attend for personal health issues, I was able to get coverage on my tickets.

Easy and quick! Website/form made it easy to navigate and upload documents. Refund process and receipt of funds was incredibly quick. I will absolutely use this insurance again.

Total scam You'd think a visit slip from Patient First with my name dated two days before the race showing X-rays were taken, pain medication, foot pain, giving a medical foot boot, and instructions to follow up with an orthopedist would implicitly mean "maybe don't run six miles in the race on Saturday". But because I didn't think to ask for an official doctor's note, the claim is denied. It's not worth it to go back for that now, so these scammers got a few extra dollars from me.