We planned on a cruise that my father in law said he was too ill to take. After seeing urgent care--with nothing found he went on to see his regular doctor and was emergently hospitalized for two weeks. Had he gone on the cruise, he very well could have been ill and hospitalized with what actually happened while out at sea or in a foreign country. We thought how great it was that we had gotten the insurance--but it just keeps being put off with requests for more medical records or a different form, even with letter from his physician provided. The insurance was to cover travel not taken FOR ANY REASON--not just medical issues. NEVER GET THIS INSURANCE--9 months later and still a shell game with no resolution in sight.
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