We had booked a bus tour to Nova Scotia in June and purchased the insurance in case we had to cancel because I have a lung condition which sometimes becomes worse. I became ill in July and did visit my regular physician, who prescribed medication, but I was unable to get to see the specialist until August. We canceled our Trip July 3. (The trip was supposed to leave July 20.) We did receive $3000 back from the bus company with a note stating the insurance would cover the balance. The total cost for the trip was $3.980. AIG refused to pay the balance because they said the doctor did not specifically say I could not go even though I had statements from the doctor stating that I was ill. I had walking pneunomia. I am out allmost $1000. No wonder insurance companies are having enormous profits!! If anyone else takes a trip and gets insurance from this company, you had better get it notorized and signed by the doctor that you are definitely too ill to travel.