I had booked a 3 day stay threw hotwire for my birthday weekend, I got the same deal that was listed on all the other sites but chose hotwire because it was the first to pop up on google. Anyway, I purchased the insurance just incase I had to end up cancelling or cancelling a day. So turns out we had to cancel our last day due to a funeral. Of no one personally close but still we had to go. FIRST OFF! Hotwire told us that we couldnt use that as a reasonable excuse, when I finally got it threw to them that it was important, they told us we needed to call all these different numbers, and we had to give hotwire the name of the person and send in PROOF of this persons death. Even though U purchased the protection plan. I couldnt believe this! Even though their disgusting rude insensitive company I sent the stuff in and Still they said since it was noone in relation they could not give us a refund! I was in dis-belief. So they ended up charging us after ALL that and we didnt even get to stay. Never again in my life will I go threw this horrible company. Whos rates by the way are the same as everyone elses.