I have purchased travel insurance in the past and have insured the costs of all the non-refundable items. Fortunately, I have never needed to make a claim. With the current trip, I was debating whether or not to cover the cost of our non-refundable hotels. When speaking with Squaremouth rep., she indicated that all non-refundable items had to be included if I had purchased 1) cancel for any reason policy or 2) applied for any of the waiver ie. pre-existing medical). When I spoke with the insurance agency agent, he indicated that I was covered for up to $xx,000. amount and that whatever I claimed would be covered if it was under that amount. (that there was no restriction about waivers ,etc) So, as I have read on your forums re: trip insurance could not be /did not refund for various reasons, who should I believe? I figure we could undertake the loss of the hotel costs if the major event was covered.