Last year I missed a connection at Heathrow Airport. I sourced the needed documentation, filled in the forms and submitted my $201 travel insurance claim. Four weeks later I got a cheque in the mail for $1. When I enquired why it was so little, they told me there was a $200 excess. I suggested some feedback: Me: You should consider putting a reminder at the start of the process. It would have saved us both a bit of time. Them: It's in the fine print of the Product Discloser Statement. Me: Yeah...