Even with Hurricane Dean taking aim at Cancun, Mexico, last August, Miguel Guillen wasn't worried. After all, he had insured his vacation.
A quick call to his insurance company, Access America, left him with the impression that he'd get a full refund in less than two weeks. So as the Category 5 storm threatened to blow away his hard-earned getaway, "I was told to cancel my flight and file a claim," he said.
Then the hurricane changed course, leaving Cancun unharmed. Guillen's flight took off as scheduled, and his claim was denied. "It was unfair and it was inappropriate," said Guillen, a computer engineer from Seattle.
Guillen's story isn't that unusual. More travelers are buying insurance, and more are encountering the difficulties that sometimes ensue.
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