Terrible product, no good-faith between insurer and insured.

I would strongly recommend anyone who is in need of travel insurance to NOT USE TIC. The "cover" is available through Flight Center, who should probably revisit this arrangement and find a more reputable insurer to up-sell to their clients. My baggage was delayed by 5 days by the airline, and as such I had to purchase some emergency items as well as stay in a hotel since my tent (which was in my baggage) was delayed. Staying in a hotel was cheaper than purchasing a new tent, so I made this decision to save the insurance firm money, as insurance is a good-faith arrangement. TIC flat out refused to cover my hotel stay, even though it my decision makes logical sense and saved them money. Furthermore, getting direct contact to an actual person is near impossible and their response time on emails is upwards of a week. The claim was lodged in mid August 2019 and in late October I am still waiting on resolution. Absolutely useless. Especially considering how expensive the product is. TIC will hopefully die in a hole somewhere.