Not sure this belongs here because it's not car/home etc. but I had a weird experience with travel insurance on my credit card. My wife and I were headed for a wedding then she got covid a few days ahead, so I put in a claim for the nonrefundable hotel. When nothing happened with the claim over a couple weeks I called their customer service number and was told that the claim required a signed doctor's note saying that we were unable to travel. We \*weren't\* unable to travel so I just gave up. Now, sometime later, I get a notice that they're paying the claim. The only explanation I can think of, since what they said on the phone seems to match the published benefits, is that the claim was so small that they decided to pay anyway, perhaps to help metrics of some sort. Is this a thing? I really don't see in retrospect why they would pay if they didn't absolutely have to, although I will admit that my feelings about the credit card (on which we spend a lot of money) were souring. Perhaps it was just a courtesy? Anyone know how this works in practice? I'm trying to figure out to what extent I should really trust this credit card.