Dayhiker - if you please report back here I’d be very interested in knowing how your claim proceeds - good luck.

For what it’s worth, I’m generally opposed to insuring my trips (land, sea, etc) as (1) the chances of trip issues for me are generally low (based upon my actual past experience), and (2) my limited experience with other “similar” policies in the past has been poor with loopholes, etc for insurers to avoid paying claims.

Again, best of luck with your claim and please do update when you have some resolution.