We experienced that same issue and still trying to get an answer. Very long story short, I tested positive for COVID 2 days before the cruise in May. I could not get anything other than a scripted response from the 800 number. I submitted the claim as a 'trip interruption' and it was denied. I told them to submit it as a trip cancellation then. They approved that however the email I received notifying me of a check being mailed to me was not the full amount. The amount was close to the money paid for the cruise but did not include any other dollars. I repeatedly call the number for Aon but the people are unable to provide an answer nor are they able to provide another contact. I am so frustrated at this point. I keep searching various sites in hopes that I will find someone that has had success ! I did read a post here re: contacting the state insurance commission which I did. It was only after contacting them that the claim moved to 'assign' status and someone actually reviewed it. I have contacted them again but not sure if they can help at this point since Aon says it is 'closed' now. I'll never buy another policy from Aon.