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had to cancel three day motel stay due to wife's medical issue. purchased insurance at cost $5.00 per day. upon cancelling informed credited all but $75.00 of which i had to go thru berkely insurance. online form provided which was very unreasonable for a$75.00 claim. refuse to provide it to the attending cardiologist for review & signature. if this was a high dollar transaction no problem. correspnding with berkley insurance to rectify. pensacola, fl