<prompt> Human: Last month, my SO and I had planned a vacation to an exotic island. We were so excited. I bought a flight and booked our hotel and was ready to go! Two days before we were to leave, he went to the ER with severe pains. Turns out he had pancreatitis. I was devastated that we had to cancel our trip, but my sweetie is better now and thats all that matters. I had enough time to cancel the hotel and get a full refund, but we all know flights are pretty much non refundable. I figured it is what it is. It was only 260 and again, my sweetie was okay and thats what mattered. But I was scrolling through PF and someone mentioned another benefit of credit cards. I had a thought. Maybe I could get my credit card company to refund me for the flight!I looked online and got the form. My SO had to get a note from his doctor saying we were unable to travel. I printed out the form and filled it out. I printed out my itinerary and called the airline to cancel my ticket. I printed out the proof that it was cancelled and sent it all in. I was concerned because the airline was offering me a voucher for the cost of the ticket up to a year. I just had to pay a 200 change fee and the difference in the ticket amount. I was worried because of that, they wouldnt give me a refund. But I figured all the cc company could do was say no. Today I got an email that a refund is coming my way!  <response>: Yep, its the main reason why we both have an airline card with the 95fee. Its worth the fee in trip insurance for people like us that travel a bit. That plus car rental insurance and other benefits on travel. We had a death in the family last year. Even though we could have easily traveled my wife was very close to the person so we decided not to go of course. I never even had to go through my credit card company though. It seemed like me saying this to the hotel, car rental and airline was enough. All three were non-refundable. I called all three a few days before the trip once I knew we were not going and told them that there was a death in the family, that we needed to cancel and I did not care about a refund because my credit card was going to give it back anyway, I am just required to cancel and limit the damages. The hotel and car company gave me a 100 credit to my card. The airline said they could give me 300 credit and take the 75.00 out for a fee. They credited me the full amount of my ticket and we used it up pretty quickly. So it was nice to not even have to deal with the CC company, but having it there, and letting the companies know I was not asking for a refund seemed to make them all just give me a refund anyway. 