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I wouldn't bother buying this insurance friends...Rain kept 6 or 7 of us from getting on an Air Canada flight at exactly 60 minutes... We were there ( individuals not a group) with in a few moments, some with boarding passes in hand. Air Canada couldn't rebook us. Totally screwed. Read the fine print hah! Also be psychic .. to know what's coming. Unless you know you're going to die at the counter... DON'T buy this insurance. They will screw you every time .. stupid add on money maker. DON'T PURCHASE. EXPEDIA INSURANCE !!!!