I recommend never using this company as it is fraud. Because of a problem with my airline, my flight had to be changed to the following day. Because of that I also missed a connecting flight in Dallas. So at that point they would have owed me about $450. I paid for the insurance with E-sky just in case something like this happened and after months of going back and forth they simply would not pay. And eSky said it wasn't their responsibility.
I found out the insurance company is in Poland and they couldn't even write or spell the English language. They had no real understanding of the English language.
I will never use this company again and hope you won't either. I went through so much with them that I finally gave up realizing it was a scam and no matter what I wasn't going to get repaid. It was absolutely unbelievable.