Complaint Review: Access America Travel Insurance

I own my own company and do subcontract work for other companies. I purchased flight insurance with Access when booking a flight home on Hotwire but ended up having to drive home because my contract was terminated due to lack of work. Policy says covers termination or layoff that isn't your fault. Could find nothing else in the paperwork about this. Access started spouting off other rules and such not in the paper work provided me to avoid paying the claim. Total rip off. Don't waste your money on this insurance.