I booked a round trip flight from Toronto to Chicago and paid the $75 cancellation insurance. I had to cancel the flight and book new dates, so I received a $301 credit. I called FlightHub to book a new flight and was told that the flight was $270, so I thought I could use my credit towards it and even have some left over. No, that was not the case. I got transferred to a different department where I was told that the flight now cost $509 so if I wanted to book it I would have to PAY AN EXTRA $207. So, in the end, a $301 flight cost me $583!
Bottom Line: No, I would not recommend this to a friend