I booked a trip on March 7th to Mexico to leave on April 7th, didn't buy insurance… My friends passport was sent in to be renewed on March 13th… March 25 she calls, no record of receiving your passport! PANIC MODE …drove 5 hrs spent 2 days in line ups to submit for second time… Fast forward to April 3rd … Call and still not processed…Friend Calls Manulife and they say you can add insurance up to day before. Perfect! So then I call Redtag and they tell me I'm basically hooped… Can't cancel, can't change to other people and can't change for 2 wks after April 7th …. I was sick to my stomach, $4000 gone! I had an a very patient gentleman by the name of Fedrick, after me being relentless lol, 2.5 hrs later I was offered a one time deal! Change tickets to April 21st ( my 2 wk option I had suggested at beginning}lmao… I was charged $100 per person to change and the difference in tickets, total of $720… moral of this please BUY insurance, make sure all passports are current before booking!… I want to send koodos to Fedrick Das you were amazing for being so polite and working with me!