I'm beginning to realize that travel insurers are useless. I was unable to travel because of a documented hospitalization. I submitted the required documents, but they want more and more. This seems to be how these travel insurance companies operate. They want to wear down the claimants until they give up and I have. I don't think Seven Corners is alone in these pathetic endeavors to not pay legitimate claims. I believe they're all like this. My friend ended up contacting the CEO of a company to get his claim paid. Buyers be very aware. I personally will never buy travel insurance again. Barry Bratt