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Please read!! Our Ireland trip was planned for April 2020 but obviously Covid got in the way. At that time, if I cancelled we would have received back 100% since the policy was purchased pre-Covid. We still hoped to travel to Ireland so I asked about moving the trip to a later date instead of making a claim but wanted to be sure my coverage would stay the same. I was told I could move it with the same coverage. I kept the policy instead of making a claim and in January 2021 I moved the travel dates to July 14-25 which seemed reasonable for the Ireland to open for travel.

On May 31, I was informed by our tour company that Ireland wouldn't open to US travelers until July 19. We were landing on July 15 so we would miss it by 4 days. I tried to change our dates but was unable. On June 29, I cancelled with our tour company. Two weeks notice seemed like a fair amount of time to give notice to a small family owned tour company. July 19 was a government set date that I had no way to get around.

I contacted C&F in late July to let them know I was submitting a claim. They promptly sent me an email with a list of documentation required to support the claim. I provided everything. I only claimed the tour company deposit which was $1466 of a $6100 policy. Our plan was to use the flight credits in the future.

In late August I received a call from a C&F agent stating that I had been approved for reimbursement but for only 75% for Cancel for Any Reason. I asked why I wasn't getting 100% since it was a pre-Covid policy and was told that based on her "research" I was actually able to get into Ireland starting on January 26, 2021 which she had read on the US Embassy for Ireland's website. I explained that January 26 couldn't be possible because it didn't open until July 19. I was told to provide documentation and/or website links to prove that date.

Within a few hours, I provided the supporting links including one directly from the US Embassy for Ireland's website which states that non-essential US travelers were not allowed in until July 19, 2021 without quarantining for 2 weeks. I did not point out that in all her "research" she failed to notice that the January 26 date was for travelers coming INTO the United States not into Ireland. I assume it was an honest mistake but simple internet research supported the July 19 date that I indicated on my claim.

This morning I received a call that my appeal was denied. I'll still only receive 75% CFR because I did not provide proof that we couldn't enter Ireland on June 29 (the day I cancelled). Ireland has been closed since Covid started which they no doubt know. So I provided proof that it didn't reopen its borders until July 19 BUT they want to me prove that I couldn't enter 20 days earlier (when I cancelled). No joke. Sure sounds like a shell game to avoid paying the additional 25%.

I realize it's only 25% but its about principle now so I'm having InsureMyTrip mediate. I'll update my review when this resolved.