My wife and I had planned a ten-day trip to Costa Rica over the New Year. After we boarded the flight there was an announcement that there was a "mechanical problem" - nothing to do with the weather. We were assured it would be fixed within "minutes," but after 2 hours there had been no update. The problem was, we had already missed the next flight, even before leaving the ground!
Of course, by that time we had missed our first night in Costa Rica and all the activities for that first day, none of which could be refunded. So Travel Guard stepped in once we got home and quickly and efficiently reimbursed us for the pre-paid and non-refundable portions of that first missed day of our trip. Thanks for that.