Two weeks before leaving I had emergency back surgery. Within a month, I had all funds back and this policy paid the penalties charged for cancelling so close to departure. Some slight glitches in that I was supposed to visit Hawaii and then continue to scuba in Micronesia and didn't have actual receipts other than email from outfitters. I had to send insurance company my charge card bill to prove what was paid, even though I had complete details from the overseas outfitters. I bought from them because of medical evacuation for scuba, but was glad there was enough cancellation coverage, too! Always buy insurance, never had to cancel or use it before!