My experience with ANY insurance is that they all deny a first claim hoping the claimee (?) will suck it up and go away. Many insurance companies have this as a standing policy. You should always persue any legitimate claim multiple times until you recieve satisfaction.
I'ld Rather Be Cruisin'
Disney Magic February 4 2006
RCCL Freedom January 20 2008
Disney Wonder October 2009
RCCL Rhapsody of the Seas September 2011
Disney Magic February 2012
Disney Wonder January 2014
Disney Wonder to Hawaii 2015...I hope!