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Cancel for any reason Insurance policy

I previously posted this incorrectly in the 'Italy' forum so I am re-posting this again.
Hi, I understand that to avail of this policy , I need to buy this within 14 days of the purchase of my ticket. I was just wondering if someone has bought this and ever has to used it and were there any hassle in claiming it? When I checked with 'Insure my trip' the plans that cover this particular policy will have 50 to 90% coverage. I was told that if airline ticket refunded me 50% then the travel insurance will refund me 40% should in case I chose the 90% option? Just wanted some opinion . Thanks.

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