Before we left for Europe we bought a one year policy of travel insurance from Patriot (Patriot is part of IMGlobal) for both Steve and I. Three days ago on the 8th I sent a short email asking that it be cancelled and what paperwork do I need to fill out. Yesterday I received a reply that $xxxx would be credited back to our credit card. This morning I checked online and the refund is already there. That is service with a capitol S!!