I have 2 questions:
1. Was your condition pre-existing?
2. If so, did you buy the insurance within 14 days of booking your cruise?
If the answer to question 1 is yes and question 2 is no, you are out of luck.
I had a claim with Travel Guard back in 2001 when we had to cancel a cruise due to my stepdaughter being diagnosed with Lymphoma. Since I did not purchase the insurance within 14 days of booking the cruise, I had to submit extensive paperwork from the physicians showing that it was not a preexisting condition. Once submitted, they paid without hesitiation.
Because of my experience, I have now insured all of my cruises with them.
Explorer of the Seas October 2013
Caribbean Princess July 2006, May 2010 & November 2012
Monarch of the Seas November 2008
Crown Princess November 2007
Celebrity Zenith November 2005
Enchantment of the Seas August 2004