So, I got my hotel through Expedia, they offered insurance. I bought it on the off chance that I we might not be able to go. We couldn't due to snowmaggeden in California, couldn't get over the pass with my elderly father, he just wasn't able to travel. Called to cancel, they referred me to the insurance and the insurance said, "We don't cover that." What?! I will never shop Expedia again, or buy the stupid insurance. All over $78, not much for you, but a lot for me. Good job.