One week before my long awaited for Viking River Cruise to Paris and Normandy I had a heart attack. I called VRC the day I got out of the coronary care unit, and several phone calls over the next 4 months. Viking said I did not cancel because I used an incorrect email address (even though I had documented phone calls). Tripinsurance gave excuse after excuse. Finally I had my insurance agent call and I prepared letters to the state insurance dept. Finally they paid after 5 months.