It may pay to purchase your own travel insurance apart from the group
sponsor. Several years ago I was appointed receiver for a student travel
company which badly burned over 2,000 students. The program offered travel
and cancellation insurance to protect the students in the event the travel
cancelled. Guess what? The company did not pay the insurer and the insurer
denied all the claims. By the way, only one insurance company paid the
students claims under their parent's homeowners insurance. That was State
Farm Insurance. I got to deal with a number of insurance companies in that
case and only State Farm paid their policy holder claims. I was impressed.
By the way, I wound up distributing only 3 cents per dollar of claim. It was
a miserable dividend on those claims and it could never replace the
heartbreak of the lost travel.