I booked an Australia trip with www.australian.com. They recommended Chartis Travel Guard Insurance. I paid Travel Guard 7% of the total trip cost for travel insurance. We had paid for a penguin tour for late one evening (after dark). Before the tour, my wife got sick. It was not life threatening but she was too sick to exert herself out in the cold. It was too late to call a doctor in a small Australian town at 8 pm at night. The refund for the missed tour was $25 (0.2% of the total trip cost, or 3.2% of the cost of the insurance).
Travel Guard refused to pay the $25 because there was no signed document from a doctor. I suggest that you NEVER use these CHEATS for your travel insurance. They will screw you!