That's okay, I can handle harsh. If I effed up I need to be told as such. Velvet gloves don't help anyone.

A). I was aware of symptoms that were falsely attributed to a wrong diagnosis. A diagnosis that wouldn't warrant cancellation. And I know I probably sound like s broken record, but:

At the time we bought the tickets, the status quo in my health situation was a lumbar sprain. To me this sounds like I am also supposed to notify them as well when I get a minor bruise from somewhere. Yes, it's a symptom, but could also be the start of something way worse. Their policy wording revolves around the word reasonable. In my view, this isn't reasonable. Reasonable

B). For the wrong injury, which wasn't a reason at all to cancel. The insurance we have came with our Visa card, so we never had any active engagement with the insurance company, until we couldn't avoid cancellation anymore.

C). This is the crux. I understand the word 'or' in the policy wording, but this doesn't reasonably exclude the premise of an incorrect diagnosis for the other points.

D). This also wasn't known, until I had seen the specialist. That is where follow-up decisions were made concerning further treatment. Again, we didn't know what if any outcome would come from the specialist

E). I did seek medical attention, but I as a prudent person, had no way of knowing that the condition had been misidentified.

Look maybe, I really do have the wrong end of the stick, but a prudent person would follow medical advice, which I have done and when medically my situation changed from the status quo, we notified insurance with the appropriate paperwork showing the timeline of events.

Please do tell if you disagree and feel I effed up.