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!!