Insurance question: Has anyone successfully claimed hotel nights as a result of a cancelled sit?

[Smiley]

Hi @Aurora
Your question has been discussed a lot on the Forum. Have a read of this:

Is premium membership worth the extra?

Has anyone tried both and upgraded to premium because the airport lounge passes and insurance make it worthwhile? We will probably take 8/10 flights this year. Also, are the passes for the member and HS partner or just member? Thanks everyone