Have you ever purchased the RS Trip Protection Plan?

I went on several trips without it, but registered for a trip a year or so ago where I purchased it. A short time before departing, a micro-burst of tornadic activity brought a humongous tree down in my yard, with part of it clipping my house, breaking a window, and puncturing the roof. I could not leave for a trip with my house in this condition. The trip insurance refused to pay stating that my house would have had to be "totally unlivable" to qualify for reimbursement. The agent said I could "petition" anyway, but I did and my claim was denied. I was still able to get a partial refund from RS, but lost both the money I paid for insurance and the rest of my trip tuition.

That doesn't seem right!

That doesn't seem right!