Depending on the policy purchased, you may have access to 24 hour hotlines for assistance with arrangements, or may be able to get reimbursement for tickets or accommodations that are otherwise non-refundable.
Bear in mind that memberships are entirely non-refundable, so it may be best to buy one month first to see if you like ClubPenguin before investing in six months or a full year.
It depends on your package and the insurance company, but in most cases non-refundable deposits, wedding gowns and tuxedos, photography and jewelry, including wedding rings.
Unfortunately, you'll have to include a non-refundable processing fee of $12.50 with your sunglass package, as well as a brief description of the defect or damage.
Trip cancellation coverage is popular, but remember that it only reimburses you for the non-refundable portion of your trip.