I STAYED IN SAN FRANSISCO FOR WORK. I WAS GOING TO BE THERE ALL WEEK. I STAYED MONDAY NIGHT AND TUESDAY I WAS TOLD I WAS LAID OFF. WHEN I CALLED FOR A REFUND FOR THE HOTEL THEY SAID I HAD TO BE WORKING FOR THE COMPANY THREE YEARS. NOW I DON'T HAVE A JOB AND I'M RIPPED OFF THE MONEY. THIS IS A SCAM. I WILL NEVER USE THIS INSURANCE AGAIN. I RECOMENED YOU DON'T EITHER...THANKS FOR LETTING THIS HAPPEN HOTWIRE