We planned a trip to Germany and Austria for August 2016.
The only things we prepaid were for our airfare, directly with Lufthansa, and a rental car through www.gemut.com. The car rental cost was fully refundable up until day of departure, so no problem there.
We bought 2 Premium Economy seats on Lufthansa for $2,880. Non refundable fares.
We purchased AIG Travel Guard Trip Insurance with the pre-existing condition included. This was needed to be purchased within 10 days of our first trip purchase. Check with each plan for requirements.
I wound up needing Hernia Surgery in mid August and we needed to cancel our trip. I first called AIG Travel Guard. I printed the forms from the AIG Travel Guard website and filled out my parts, which included listing any doctor appointments, ER and hospital visits for the last 6 months. After completing my sections I sent the doctors/surgeon parts to his office. He mailed them back to me. They also required proof of the airfare cost and proof that it had been paid. Within 6 weeks we had a check for the airfare. Pain free (no hernia pun intended). It may have gone quicker, but I waited for my credit card statement and cashed check to prove payment of the airfare.
These are essential:
1- Keep all receipts from the first trip payment on.
2- Keep a good record of medical appointments, ER visits and any hospitalization dates and doctors and diagnosis 6 months prior to a trip if possible. May come in very handy.
3- Call the Insurance carrier.
4- Read the fine print when filling out your claim. I filled it out and then noticed it said to fill out using ALL CAPITOLS. Filled out the forms a second time. I also gave this (ALL CAPS) info to my doctor just in case he didn't see it.
I would not plan another costly trip without this insurance. Thanks to AIG Travel Guard for making this process pretty straight forward and uncomplicated.