Once, about an hour after I got off the plane, I lost my travelers checks. What a way to start a vacation!!! It was just like in the commercial. They were replaced within hours. I love them. I can budget better than with a card. I have never had a problem cashing them. Usually, I cash what I think I will need for the day at the front desk. Off site I may need to show ID, but even that isn't an issue. I get mine at the bank no charge.