Very easy to purchase this insurance - very hard to make a claim.
We recently bought flights from Singapore to USA though Expedia so that I could see my father who was unwell. We added travel insurance because we knew in these times things can always change on a dime. Our plane tickets were also refundable... allegedly. Within a day after booking our flights my fathers condition worsened and I had to book an emergency flight to leave that evening instead of keeping my original flights which were set for a few days later. We tried to change our booking online through Expedia, but couldn't complete the process online. We tried to call Expedia, but no one answers their lines. So we were forced to buy completely new flights, under the assumption that our previous flights were protected by both Expedia's online terms and AIG insurance.
Lucky for me, I got there just in time to see my father before he passed away on the day I landed, had i kept my original flights, I would have landed 5 days later and I would not have made it in time.
Then came the painful process of making a claim to refund my flights all while grieving the death of my father. AIG rudely questioned the situation and even after I sent my father's death certificate they demanded a letter from his primary care doctor, as well as his discharge paper from the hospital ( you'd think a death certificate would suffice as discharge papers).
After many many hours on the phone, and many emails, they informed me that his condition was preexisting and my flights would not be refunded.... His death was not a pre existing condition, he didn't even die of what he was in the hospital for.
Basically, AIG has a lot of loopholes by which they can not pay out your flights. These loopholes include pretty much any thing you can think of. They will always find a reason to not pay out.
I will never book anything on Expedia again, and i will NEVER buy AIG insurance again... It's a scam. They just make it so easy to click when you're checking out. But buyer beware.