Back on 10/3/2022 - 11/8/2022. My family had planned a trip to Sydney, Australia and we purchased a travel insurance policy from Trawick International which also included our Airfare. We purchased the policy from Aardy Travel Insurance. Unfortunately my husband, who suffers from Mental Illness had an attack of Anxiety and he couldn't come with us on this trip. Unfortunately we lost $8,469.84 for my husband's portion of the trip. When I arrived back to the states I immediately put in a claim for reimbursement because we had the trip insured with Trawick Safe Travel First Class Plan which included a trip portion as well as a 75% coverage for Medical Cancellation for any reason. When they forwarded the policy it had an approximate total of 75 pages for a client to read. I decided to call Aardy and spoke with one of their agents and asked for the best comprehensive policy for my family. The agent informed me that the policy he recommended would fit all our needs and offered the best coverage. Well Guess What. the plan that was suggested by one of their employees was NOT even adequate because it did not cover mental illness. Even after I had informed the agent of my husbands condition, my physical condition and the rest of the family. So I had to hire a lawyer to try to get my monies back since technically they discriminated against someone who does have a mental disease. I was able to produce to the company a letter from my husband's counselor of many years who tried to explain to the company that my husband's condition, Anxiety, doesn't require a Hospital stay. Yet the company denied the claim and stated that he had to be hospitalized. I then was able to get a letter from my Husband's Psychiatrist who is an MD and a Certified Psychiatrist and has treated my husband for many years now. But to my dismay the Company Compliance and Grievance Administrator Co-Ordinated Benefit Plans which is a subsidiary of One80 Intermediaries on behalf of Nationwide Mutual Insurance Company in Tampa Florida denied the claim again even after I had my lawyer submit the letter from the people who know him best, his counselor and his physician. This review is to warn other seniors or anyone who has a mental condition that may not require hospitalization, that this company WILL NOT reimburse anything to you for your case even if you have documentation from the physician and counselor who have been treating you for years. and my lawyer cited him being hospitalized is an "Unreasonable for coverage." But they have their agents who would recommend this policy which was not inexpensive and then they deny the claim. So people who do suffer from Any mental disorder please do not ever buy an insurance policy from Aardy especially Trawick for your travels when they will discriminate against you for a mental or emotional issue one may have. My lawyer wrote not only one letter with documentation but two letters with documentations included but Trawick would not budge NOR did they ever include ANY reimbursement under their 75% for Medical. Cancellation for ANY REASON. What a fallacious Insurance Plan this was, So please watch out for Aardy Insurance companies when they discriminate against a human being who suffers from Anxiety. Don't use them.