1,000% agree with Nigel's recommendation to see who responded well during Covid times with refunds.
I post a lot on Trip Advisor. There are many stories on the Senior Forum over there and I started collating a thread with links to discussions on which companies came thru with good customer service and which did not. Some of the posters are "one-time wonders", some are regular contributors.
There were serious issues with refunds from Trafalgar, Gate 1, Vantage, OAT and many of their customers had to resort to contacting the Attorney General of the state where the tour company is headquartered and/or contacting the consumer advocacy group Elliott.org
Companies that did (mostly) come thru were Odysseys Unlimited, Road Scholar (hiccups at the start but righted themselves) and Tauck (although there have been some recent complaints on them).
If anyone reads that TA thread you'll notice there is no mention of Rick's tours. I suspect that is because he was very ethical with refunds and keeping his customers notified so there are few complaints over there.
So, yes, do your due diligence. If you go with one of the companies that has had complaints decide ahead of time how much money you can afford to lose if you book with them.