We are living in Maryland. Bought 4 flight tickets last April to celebrate father-in-law's 70th birthday in October in Vietnam. The flight schedule is from DC to Vietnam via Hong Kong. However, as you know well from the main news stream, Hong Kong's situation was getting worse and worse. Finally, the airport was occupied by demonstrators and surrounded by violent Chinese police and militia. Therefore, we quitted the tickets with fully reasonable reason. I didn't want to hurt my family in foreign country. However, AIG finally denied to pay the our claim fully. AIG said there was no terrorist incident in Hong Kong. The situation was worse than the terrorist incident ! I think AIG applied the standard too conservative to advantage of this issue.