After being over 30 minutes on hold, I got to talk to a real person. The lady instead of answering my question she was reading me the rules of the insurance. She also wanted to email me all the rules. I already read them, since they are posted on PL. The thing is it still didn't answer my question. Finally, she told me that since I have a standby ticket and I am not sure I am going to make it that night to the hotel, I wouldn't get refunded for it anyway. The most common reason of claim is either death or sickness....great! I guess this $5 cancellation insurance is a bigger of a scam than help.