I don't think Holiday Inn hasn't thought this through, I reserved a room, my daughter's softball tournament was cancelled, I purchased your insurance, just in case, you said you would call the hotel and see if they would indeed refund the price of the room, they said no I guess....what they fail to understand, there are somewhere in the neighborhood of 40,000 kids in the 500 mile radius of their hotel that play travel sports, when hotels don't work with those kids parents a little bit, hotels get blacklisted pretty damn quick. Holiday Inn will not get our business anymore. Hampton, Marriott and even Best Western know how much money they make off of travel sports teams and they work with you.