xCover review: Insurance

I purchased tickets to a concert occurring on Tuesday May 2. I was not able to attend the concert because I was sick. I visited the doctor and provided a Dr. note to XCover before the concert occurred. I submitted the claim and the Dr. note before the concert occurred. I have been unable to reach anyone at XCover to talk to them despite many attempts. They said they cannot take the Dr. note, which is signed electronically, because it is not stamped.