was suppose to go on a 12 day cruise febr. 3re.,but had to cancel, do to my operation coming up,in febr., my dr. wrote me a note, telling aon, no cruise, do to me getting operated on, i send all my papers in, that were required of me, and within 4 weeks i received my refund.so i have no complains about aon. i took the trip insurance out with royal carabian,they also refunded me my taxes plus excursion i paid.now the only thing im waiting on is AAA, because they owe me the rest of the money from their corporate account, since they made all the arrangements,but they are the once, that are dragging their feet.SO GO ON AND THAKE THE TRIP INS.AS LONG AS YOU DID NOT PRE EXSISTING PROBLEM, AND THE DR. WRITES YOU A NOTE, YOU ARE OK. GOD BLESS ANNA DIEFFENBACH