We had to make a claim due to my husband experiencing a traumatic injury about 2 months before our anniversary trip. Due to his inability to travel during our trip time, we made a claim and received a full refund. We had to fill out the required paperwork, but there were no questions asked, and we received our claim quickly. Such a relief to be covered for something like this and for it to be fairly easy to make a claim while we were dealing with a traumatic injury.