I am posting a re-post that I made a a comment on another post. There are a lot of people who are thinking about cancelling their trip by using their trip insurance. I just want people to be aware of my experience so you won’t wait to the last minute even if you have a “cancel for any reason” policy. Here is what I said in another post. I hope it helps:
Just a word of warning regarding trip insurance cancellation. If you have never done it, you have to jump thru a lot of hoops to cancel and it can be very time consuming. Due to a medical condition on my wife, I had to cancel two trips last year. The amount of paperwork work I had to fill out surprised me. It was like buying a house and my wife had a very serious medical condition that was not even questioned by the insurance company. On of the policies was a cancel for any reason and I had to have a doctor fill out medical forms and submit them for the doctor to sign. I also had to submit every piece of paperwork and credit card statements for every claim on every hotel and every tour that I booked. It took about a month to gather all the paperwork that they wanted and it had to be submitted before we were to leave. In the fine print of one of the policies, I had to schedule a doctor appointment so many days before I filed the claim. I had called the doctor and he agreed that for my wife to travel was impossible and said so on the phone, but because I actually didn’t see the doctor within so many days if filing the claim and within so many days of departure, they at first denied it. I finally got hold of somebody who was compassionate and knew what we were going thru and bent the rules so I could get paid. Read and reread your policy. Allow enough time to get all credit card receipts for everything you have charged and any correspondence that you have made proving that you have booked exactly what you are expecting to get reimbursed for. It is not as easy as people think who have never filed a claim. It takes a lot of time and energy. They don’t part with their money easily even if it a cancel for any reason. You must still comply with all their requests for information.