I thought this insurance was gonna be reliable, but turns out it wasn't. After my family dealt with a big surgery, we sent all the necessary documents and explained our situation in detail, hoping for some support. But guess what? They denied our refund request because we supposedly missed the "90 day timeframe." It’s almost like they forgot that recovery isn't the same for everyone, right? Some people face complications and setbacks. Now, not only are we missing out on seeing our favorite band in concert, but we're also stuck dealing with this frustrating process. It's honestly disappointing and leaves a bad taste in the mouth about how they handle things.