I purchased travel insurance through Disney, administered by Aon Affinity/Arch Insurance, for my October 2024 trip. A mandatory hurricane evacuation forced me to leave two days early, leaving me with $690 in unused, non-refundable hotel accommodations.Disney refunded my park tickets and meals, but the insurance company has repeatedly denied my claim, giving shifting excuses — first saying I had been reimbursed (which was only partially true), then saying my accommodations weren’t booked “directly” through Disney (which is not an exclusion in the policy).I have submitted receipts, a letter from the rental company confirming the non-refundable amount, and copies of the policy showing coverage. Despite this, I’ve been asked multiple times to re-upload documents, only to face more denials and delays.This experience has been exhausting, and I feel the company is making me work far harder than should be necessary for a clear covered loss. I cannot recommend Aon Affinity for travel insurance.
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