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Sadly all these comments do nothing but help other people out there, I WORKED at a call center, these people DO NOT care about you trust me when I say this, they get paid and leave. My family and I booked a trip and we payed the insurance for cancellation and guess what, it isn't 100% refundable - you must make a claim that takes 10-15 business TO SEE if you get approved. Those people are all jokes, hopefully they get sued big time by someone who doesn't play. It's just $200 that I will spend my days and days even when I become a cop to make sure I bring their whole finessing empire down. I'm letting everyone I know not to use Expedia or insurances they are all finessers. I work at a law firm, trust me who ever is reading... insurances will fight to not pay you, that's business ;) and call center people DO NOT CARE they don't get paid $10 an hour to listen to you complain. Good luck and please, stay away from these places.