Dear Sir, our insurance policy is provided through a 3rd party. The entire coverage is listed on our website when you purchase it. It is upto you the consumer to review the policy and make sure if fits your needs. Most insurance companies do not sell a policy that allows you a full refund, because there has been a change if plans. Most insurance is for emergency situations, canceled flights, baggage delay. I am sorry that the insurance company denied your claim, but you were provided the coverage details.
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