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We have recommended "Access America" trip cancellation insurance to all of our clients for several years. We have only had one claim made against it due to a weather delay and "Access America" sent him a check for the added costs of missing a few days as well as the hotel room needed during the delay. The major issue is to be sure to purchase the insurance within two weeks of paying the intial deposit on your trip. You should check out their site to confirm. Look under the "Pre existing conditions" section.
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