Subject: RE: Insurance Woes
Tom, that's an awful experience. Not only should you avoid buying the insurance from the tour operator because their own default is not covered, including cruise lines, but you should not buy it from anyone you don't know. I have also heard many horror stories about student groups and the here-today-gone-tomorrow companies who arrange their trips. Some of them tend to 'default' just prior to departure date.

Your students' experience is so awful. We had a similar experience here, but not on such a large scale, where a private school arranged their student's trip without going through a local agency; the company folded and no one got anything back. So many people will send their money to someone they don't know, I guess.