I have been in heavy contact with Mr. Bruninga of Generali. he is well versed to dance around and not pay a just claim. Their fine print in your contract after you pay is excludes all physicians that are not medical physicians. My 3 physicians are 1. chiropractic physician, DO physician and a dental Physician. GENRALI game is that they will not accept their physician statements of inability for health reasons unable to travel. So you get the fine print 15 page policy contract after you pay w a cc., therefore its too late to rescind, they got your money. So I lost premium money and cruise ship fare.