Quick and easy to apply for fairly responsive, but beware that they are not the company that reviews and issues payouts for claims. The clams process can be frustrating and take time, make sure you keep receipts for EVERYTHING. Also, they do not necessairly reimburse you for CANCELED FLIGHTS read this part very carefully. If you miss a flight because you could not get there (only the international part at any rate) they will payout. otherwise, beware. It is the strangest thing, that the most common of problems that can arrise on a trip is NOT covered generally. It has happened to me, I fought it and finally won but I had to do quite a bit of work and appeal to Lloyds directly. Rightpath that handles the claims did fob me off more than once.