When Jessica Kamzik's father was diagnosed with stomach cancer last summer, there was no question about what she had to do.

Why doesn’t travel insurance cover dad’s illness?

When Jessica Kamzik’s father was diagnosed with stomach cancer last summer, there was no question about what she had to do. Dad’s prognosis was “grave” — the doctors said he probably wouldn’t make it to the holidays — and, “as any loving daughter would do, I immediately cancelled our vacation to stay closer to him,” she says.

The judge could rule the agency didn't sell unlicensed insurance. But that's unlikely, given the customers who have already complained.

What’s next for Palm Coast Travel? Here’s what happened to agencies that settled with regulators

As I reported last week, Palm Coast Travel and its companies, including Smartcruiser.com, are headed to a hearing with a Florida administrative law judge to determine if it sold unlicensed travel insurance. This is an important story, because fake “trip protection” policies are known to have been sold to people across the country for years, potentially costing travelers millions of dollars in lost vacations.