It would be less frustrating and just as cost effective to burn your money. Travel Guard (AIG member) denied our claim for a trip cancelled on January 7, 2014 when I received word that my mother was gravely ill. She died on January 13, 2014. I sent the death certificate and explanation to Travel Guard. The reason: she dies after the date of the flight. Seriously? What is the purpose of flight insurance other than to take your money?