This has been the worst experience I’ve ever had with an insurance company. I purchased insurance with Dr. *** before traveling to Germany because the embassy required proof of insurance. However, my travel process was not completed, and I never entered Germany. Therefore, I never used or activated the insurance. I contacted the company to cancel the contract, but my request was rejected without any fair consideration. This is extremely disappointing and unprofessional. I ended up losing €*** for a service I never used. In contrast, I previously dealt with another insurance company, and when I requested cancellation under similar circumstances, I received a full refund. Unfortunately, this was not the case here. I do not understand why I was charged for insurance coverage that I never actually used. This will definitely be my last experience with this company, and I would not recommend it to others.