I bought an Allianz Global Assistance cancellation policy from Jefferson Insurance Company for a trip. When I needed to cancel the trip because the country I was going to visit didn't give me a visa (a country with strained relations with the US), it turns out that this policy doesn't cover it. One has to provide the tickets to apply for a visa, so I bought the insurance in case I wouldn't be granted the visa. Of course the insurer suggests that one submit a claim for them to reconsider, but after all the time it would take to do this, I am sure they will still not change their position.

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