I would like to tell everyone who travels with Apple to not buy there insuance I have a mother who is 90 and had a daughter get married in Punta Canna so felt I needed the insurance to be safe! well unfortunatly I did get sick and had to come home early my agrent told me I was covered all I needed was the doctor to fill out the paper work and Apple would reinbust me for the 4 days I losted on my vacation and the extra flight charge, I just received the notice today 6 months later because I did not get a doctor to look at me in Punna Canna I will not be REINBUSTED for this vacation I did everything my agrent requsted and still apple would not cover this, believe me I would loved to have stayed 4 extra days in Dec. instead of coming home to Michigan!!