I would like to respond to an earlier review. ICIClombard is full of idiots and cheats. Please do not ever buy a travelers policy from them. I tried to renew a policy for my in-laws and was given the run-around for 10 days. There is complete disconnection between every customer support agent. I do no believe they exist in this day and age, but function probably in the stone age. I presume they do not have any paper or pen either--maybe they do not have qualified literate agents. I hope, I am wrong. I have repeated the same story 1000 times to every agent I have communicated with.
Finally, I called to ask for refund and was stunned by their response, "Sir, how did you pay for your policy." And this was from their refund department. I had an extreme urge to say, "gold." I did win in claiming my money back after threatening to file a complaint with my credit card. I pray that I do not receive my funds in sheep and goats.