We had to cancel our overseas travel plans due to my mother developing serious health issues. She had been living with this health issue and managing it successfully for 3 years prior, so there was no concern regarding this at the time we made our plans and took out the travel insurance, a year prior to the actual trip . We applied to AA for reimbursement of the payments that we could not get back from the Cruise booking. Everything else we managed to get back due to our own efforts. AA flatly refused our refund due to 'a close family member having a serious health issue'. Such rubbish and an absolute copout . We have a number of our private insurances with AA but will now cancel them all. Dishonest company. We will be applying to the insurance ombudsman for assistance. Do not take out travel insurance with AA.