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Priceline - Buying Trip Protection, Any Experience?

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Hi, I'm not sure where to ask this, but I figured PL users are mostly in the US, so this may be an appropriate forum.

I'm wondering if anyone has experience with the trip protection insurance on PL. I'm concerned about the potential cancellations because of health issues.

Does PL distinguish between existing conditions and emergencies? I tried reading the T&Cs:

"prevented from taking your Hotel Reservation due to your, an Immediate Family Member's, Traveling Companion's, or Business Partner's Sickness, Injury or death or Other Covered Events as defined"

"in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Trip."

It's pretty generic. It seems like a doctor's note is enough, but is this the kind of policy that's hard to get to pay out?

Thanks.

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