**Insurance Claim Denial** I must express my deep disappointment with the investment I made in AON insurance to protect our Disney Cruise. We were scheduled to leave Kansas City for Fort Lauderdale on Tuesday, January 7, to embark on our first Disney Cruise departing Thursday. However, the Midwest was hit with a massive winter storm, dumping 11 inches of snow across much of northeast Kansas. This led to the state issuing an emergency stay-at-home order as all minor and major highways were closed and impassable. The highway we live on, in Leavenworth County, remained closed until Wednesday. Additionally, Kansas City International Airport (MCI) was shut down for several hours, with flights canceled and delayed. It was complete chaos. On top of this, we operate a cattle ranch with 1,000 head of cattle that required immediate attention. Feed roads needed clearing, and waterers had to be opened. Although we had a crew in place to manage the ranch in our absence, the sheer amount of work ahead of them made it highly irresponsible and reckless for us to leave. When we made the difficult decision to cancel our trip—factoring in the impossibility of travel without violating emergency state orders—we felt secure knowing we had purchased travel insurance. Surely, acts of nature were covered under our policy. Unfortunately, we were wrong. After filing a claim, we were shocked to receive a denial. AON Insurance informed us that winter storms, impassable roads, stay-at-home mandates, and threats to our livelihood and business were not covered under our policy. In essence, the only way we could have qualified for reimbursement would have been to blatantly ignore the emergency orders, leave our ranch and family vulnerable, drive in dangerous conditions, and, if we were involved in an accident, obtain a police report. Only under such reckless and life-threatening circumstances would we have been eligible for compensation. I cannot express how irresponsible, dangerous, and callous this policy is. Despite multiple appeals, our claim remains denied. A trip we had saved for—a rare opportunity for our family to travel together, especially as farmers and ranchers—is now entirely unreimbursed. While Disney has graciously offered a 75% credit for a future cruise, had I known this would be the outcome, I would never have paid extra for insurance. I cannot, in good conscience, recommend AON Insurance for anyone’s travel needs. They will simply deny your claim and keep your money. Respectfully, A very brokenhearted mama **Reference #900584553**
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