<prompt> Human: Hey Reddit,So my wife and I recently made a trip to San Diego and reserved a hotel room through Expedia. I spent the extra money to get travel insurance it was 4. Why not? And settled with the peace of mind. When we got to said hotel about 5 or so hours before check-in, we were appalled at how gross and disgusting it seemed. It was nothing like the pictures. We decided to get a different and cheaper hotel a ways away within the hour and cancelled with the first. Both Expedia and the hotel itself refused us a refund. Naturally I figured I would turn to my travel insurance. I didnt know if there was a credible reason to cancel, so I mentioned I had a family emergency and they wanted full medical documentation and signed certificates. I dont want to lie, but is there a justifiable way the insurance will give me the refund? Anything I can say or do that wont need documents or proof?EDIT: Or can I just tell them that it wasnt anywhere near what we saw or thought?  <response>: Read your policy to see what it covers, I doubt I didnt like the place is covered and certainly lying about a medical emergency isnt a good approach either. 