Most of my travel life I never worried much about travel insurance. However my husband and I are in our late 70's and listening to the wisdom of our local RS Travel Group, I realized maybe I should pay a little attention........So, the past two years I have bought an Allianz All Trips Premier Plan for yearly coverage for both of us, mainly to get the benefit of some Emergency Medical and Emergency Transportation coverage in case we need it.
Fortunately we haven't needed it but - surprise, surprise - a few weeks ago I had to cancel a hiking trip in the Orkney Islands in Scotland two weeks before the trip for a medical mobility problem - way past the date for getting any refund for the tour. Fortunately I usually get refundable plane tickets so I knew my main loss would be the tour cost but gee I couldn't walk very well.
My Allianz policy did say that it included Trip Cancellation coverage so I decided to see if I could get reimbursed. Having never filled out an insurance claim before, it took two tries for me to submit all the info they wanted. Yesterday evening I was amazed that I received a note from them that my claim was accepted and would receive $5000 shortly. This morning the funds had been deposited in my bank account.
I hear a lot of stories about the difficulties of actually getting reimbursed from travel policies. Thought I would just share a good one.