The claim results can depend who you get for an adjuster at the insurance company. We are in the middle of a claim where the adjuster is nit picking us for every conceivable receipt and document imaginable. We submitted their 13 page form, then 12 pages from our travel agent, then another 5 pages of Amex receipts. I am sure they are just being thorough and careful but this adjuster is really pushing it. So, be sure to keep every scrap of paper related to your trips.