Years ago (I believe it was 2014) my husband was hospitalized and we had to cancel our trip. There was a rather long form for our doctor to fill out for Travelex but our kind doctor did not balk. We were reimbursed for 2 first class plane tickets when we had to cancel that trip. I don't remember submitting a claim for the points used for our Disney room--I think we scheduled a trip for someone in our family to use the holding points. Travelex also covers for damage to a rental car--and it is primary. I am always nervous about accidents while renting a car.
One thing I really like about this Travelex policy is that exclusions for pre-existing medical conditions are waived if you buy the policy every year as soon as maintenance fees are due in January.
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