Poor communication and hidden terms
They offer coverage for rain on camping trips but have hidden in their terms of service that any modification to your trip will cancel the entire coverage plan (and this is extremely poorly communicated by Hipcamp as well) and require you to purchase an entirely new one, which negates the purpose of getting a weather refund to begin with. This results in easily lost money if you're like the 99% of people who don't read through the fine print. Can't say I'd recommend again; doesn't seem worth it.