You pay $1000 per certificate upfront, and the first time you submit for reimbursement, it goes smoothly. After that, they make up excuses why you can't be reimbursed, even though you followed the exact same process as before. Had to fill out an extra form after they sat on my original claim for 3 months. I traveled in March, it’s now September, I still haven’t been paid. They don't communicate, they don't update the claim status on their website. Sorry I was suckered into this scam.User's recommendation: Run Away Fast.
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