Zhong 'an Hotel cancels insurance claims.

Hotel cancellation insurance refers to: after the payment of prepaid room rate or credit card guarantee is completed, due to some unexpected circumstances, the checked-in guests can't use the hotel service on schedule, and the cancelled room can't return the accommodation deposit or deposit, resulting in the loss of prepaid room rate or credit card guarantee, and the insurance company will pay compensation to reduce the loss.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.