Okay, so let me tell you about this whole mess with a refund we’re dealing with. My partner got this protection plan for a trip, because, you know, we've had car trouble before. Well, he came down with something bad on the day of the trip and couldn't go. It’s been three weeks now, and we’re still chasing a refund. They keep dodging and saying no doctor’s note, no refund. I mean, seriously? Not everyone runs to the doctor for every sniffle! I've worked in fraud prevention, and this company’s starting to look pretty sketchy. It’s like they’re making up rules to keep your money. Frustrating and feels like a scam, honestly.