I had a travel insurance claim that they paid initially, but I would agree that insurance companies in general are not in business to pay OUT claims. What they paid us for our hurricane damage was insulting, but we just took the money and moved on.

Tim--was the insurance actually through Delta? Normally the insurance is not directly through the carrier, so not sure they could speak as to whether a doctor's note was needed. For a medical related claim, in general, I would think they actually would need a medical note. Good luck!