I took out insurance through Travel Guard for the dates that we were going to be gone on a cruise. The; first night of our cruise my wife fell and broke her glasses along with her right pinky finger. The cruise line took X-rays, splinted the hand and determined that the surgery to repair the hand could wait until we got back to the US. After we got back and replaced her glasses and paid all of our co-pays for her surgery and therapy sessions I submitted all of my receipts and was told that since the expenses didn't occur during the covered period, ie our cruise, they wouldn't cover our costs. What a CROCK! I resubmitted out claim explaining that the injury occurred during the covered period and it would have been impossible to replace prescription glasses while on the cruise in addition to undergo surgery and the 2 month of PT. Never again will I use Travel Guard.