Planned a trip for me, my sister, and my niece. 2 ...

Planned a trip for me, my sister, and my niece. 2 days prior, I developed a terrible ear infection, lost my equilibrium, and ruptured my ear drum. Canceled the cruise, went home, got in to my doctor as soon as possible. The first appointment available was Friday at 9am. we were scheduled to sail on Thursday, i canceled late Tuesday. As a grown adult, i know better than to go to an emergency room for an ear infection, and took otc meds to minimize my discomfort until my dr could see me. Immediately after my appointment, I filed a claim. It was denied within minutes. Everyone I talked to stated that there was no valid reason to deny it, but they did not have the authority to change it. Sitting in limbo waiting to see if someone actually calls me back right now. Biggest scam around, this company is completely worthless!