<prompt> Human: Hello PF!Long story short, I have a hotel reservation booked for 4 people, including myself. We were recently offered the opportunity to stay at a friends house, so we dont need the hotel anymore. The hotels cancellation fee is almost as much as the cost of the stay itself. What would be the best way to avoid the cancellation fee and get our money back? Additional info: Used my AMEX Every Day Credit card for the transaction. In speaking to AMEX, they directed me to the Travel Insurance. - Could I get the Travel Insurance, then immediately cancel with the hotel, for AMEX to cover the cost? Would that raise any red flags if it were that quick? American Express Travel Insurance is an optional insurance product underwritten by AMEX Assurance Company and offered through American Express Travel Related Services Company, Inc. It offers travel insurance to American Express Card Members and non-Card Members for Travel Accident Protection, Global Baggage Protection, Global Trip Delay, Global Medical Protection, Trip Cancellation Interruption, andor 24-Hour Travel Assistance Hotline for enrollees in travel status. For more information or additional questions, please call 1-800-228-6855 or visit I appreciate the help!Thanks!  <response>: what youre describing with the insurance is called fraud. and yes, it would set off red flags and be denied. 