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Travel Guard wants more than a death certificate to settle claim.

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My father passed away Oct 9, 2008. I've sent 2 death certs to Travel Guard, but now they want his doctor to complete Section C of the claim. They say it's because they need to know if it was a pre-existing condition. My father had a heart condition, but none of us expected to hear a diagnosis of lung cancer 3 days before we were supposed to take our trip. Frankly, what difference would it make if we did know it was pre-existing; does that mean anyone w/a parent w/cancer can't buy trip insurance?
We went to the doctor's office on 9/30; his primary care doc didn't like the way his lungs sounded. W/in hours, he was admitted to the hospital where he passed away on 10/9. Once we left the doctor's office, his doc never saw him again. There were at least 5-6 docs that saw him in the hospital, all for something different. When I originally called TravelGuard for instructions, they said a death cert would be enough. Now they want more. I'm looking for any advice on how to approach them again so I don't have to bug his doctor. I can just hear his reaction, "Why do you need anything more than a death cert?" The amount we submitted was apprx $450. Thank you.

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