We purchased insurance in August 2008 for a trip to Aruba in June 2009. I became pregnant and will be 32+ weeks at the time of our trip. My husband, 4yr old son, and I all got the insurance for the trip for this reason. I got a letter from my doctor explaining she advised me to not travel. (I am a high risk pregnancy) We were denied our claims and out $321 for the insurance and the $5000+ for the trip. They are a fraud.