I booked a trip from the East Coast US to New Zealand & Australia for February of 2023. The trip was great, however, I did have to make some last minute arrangements to miss Cyclone Gabriel, which was forecast to make a direct landfall where I was staying. So the day before my scheduled departure (originally Monday) from Auckland, to ChristChurch, I left. (on Sunday) This meant, that I missed a scheduled tour on Sunday, and still had to pay for the Sunday Night Hotel in Auckland as the cancelation was less than 48 hours. Of course I also had to pay for a new night in Christchrch and an Airline ticket change charge. I have a Gold policy for the trip. I called Tin Leg Claims, and asked if any of this would be covered - Thier response is I would have to submit all the required paperwork and then they could look into it. So here is the list of what I have had to send to date: Full Trip Cost and Payment there of: Sent a copy of the invoice from the Travel Agent showing payment if full not accepted - must send bank statement or credit card statement showing withdrawal of funds Required copy of round trip Air tickets Required copy of original tickets to Churchill Required copy of new tickets to Churchill Required copy of credit card payment of change fee sent letter from travel Agent showing non refund for Auckland Night, and for missed tour must send actual Hotel invoice showing same Must show bill from Tour showing no refund Sent copy of Credit Card Bill showing payment for new Hotel room in Churchill Must send actual Hotel invoice showing same I am currently waiting for the last Hotel invoice - so I have not reached a conclusion yet. However, it is true that they are very polite on the phone, but your claims adjuster is never in, but they will them a message that you called and have questions - emails are kind of answered, but no explanation in forthcoming. What amazes me is that I don't even know if I have a claim - you would think so I kind of hope so now that I have gone thru this nonsense, and I do feel for those that have pressing claims because the amount of paperwork I think is ridiculous, and time consuming.