Had booked a cruise from Florida to the Caribbean. Got to the airport, and found out our flight had been cancelled, and we would not be able to get to Florida in time to catch the ship.
Filed a claim with this insurance company, and got the response that this didn't qualify for reimbursement according to their policy. This company is worthless.
Had to cancel a previous trip because of health issues, and they denied that claim also, even though I had a letter from my cardiologist that said I should not travel. If you are planning a trip, buy your travel insurance from anyone but these people.