I purchased a ticket to an event for around $60 and since funds are tight in the current economy I decided to take out the insurance offered by FanShield. The day before the event on Friday evening I started coughing, congestion, sore throat and a fever. Obviously I didn't attend the event that was attended by over 1,000 people. I filed a claim for a refund of the ticket price and they told me that I would have to have a doctor's note. I became sick on a Friday evening and my PCP's office is not open on the weekend. I was told that without a doctor's signed statement that I was sick and unable to attend that they would not refund the price I paid for the ticket. I guess I learned my lesson and will never buy ticket protection on another ticket and I suggest that before you buying it you read all of the fine print on what documentation is needed if you are unable to attend your event.