Before purchasing this travel insurance and carefully reading their 16 page cancelation and refund policy I thought that it would help me protect my trip and recover any money spent if I needed to cancel my trip to unforeseen circumstances beyond my control as they had advertised. When something came up and I had to cancel my trip due to medical reasons I filed a claim online. I called them later that week waited on hold for over an hour, when someone finally did answer the phone they asked for all of my information and before I could even ask I single question related to my claim they hung up. A few days later I received a very generic email saying my claim was denied because "there is no coverage under the claim presented". There was no reference document with examples of what is covered and what is not or explanation as to why it was not covered. I remember while reading their policy that medical reasons for needing to cancel was valid and with in their terms of coverage and entitled to a refund. I reached out to my travel provider and they were able to return my money with no help from AIG. Dealing with these people has been a nightmare they can make up any excuse to deny you coverage and provide no supporting evidence that your situation is not part of their policy. I will never be purchasing this travel insurance again these people are lazy, unwilling, and unmotivated to help anyone. You are better off trying to obtain a refund from your travel provider yourself or reaching out to your credit card company.