AON conveniently does not tell you that they are secondary to your primary and secondary insurance so you have to wait for denial letters from both insurances before you can file a claim. It's silly because they know you aren't covered on a cruise ship. That's why you purchase the insurance. I'm still awaiting a denial letter from Medicare and then I can file with Bcbs for another denial letter. Then I can file with AON. This began 4/13/23 and it is now 7/20/23. Purchase your insurance elsewhere.