Wasn't quite sure what category to place this topic in, but in case anyone wants an update on our travel insurance experience from our recent COVID-affected Italy trip...
Original report can be found here. TL;DNR - we had started the RS Sicily tour when husband tested positive for COVID on day 2 of the tour.
RSE refunded $200/pp/day for the remaining tour dates, per policy (and did so promptly). We had insurance through TravelGuard and they were very good to work with. Once we got home, we gathered the documentation they requested - and it was a LOT of documentation, but not unexpected. YMMV, of course, depending on carrier. Among the information we sent - documentation from RSE on being released from the tour and what they refunded; hotel costs for our stays in Palermo and Rome when we would have been on the tour; ; pharmacy receipt for official COVID test; charges from RyanAir to change our flight from Sicily to mainland Italy (originally CTA-NAP, changed to PMO-FCO); receipts for meals during that period; documentation for a cancelled flight (NAP-FCO). (Note that they required screenshots of our boarding passes for the changed and the cancelled flight documentation.)
We just received a check for a bit over $2000. The itemization shows it covered "trip interruption" but does not detail any specifics, i.e. what food & hotel might have been covered, or if any of the un-refunded tour cost was included, or what. Also covered was the flight change cost, the cancelled flight, and the pharmacy COVID test.
We purchased the "preferred" level of insurance, so not top end. Happy with this outcome - between the RSE refund and the insurance, we were made whole on the tour portion of the trip. And the airfare coverage was very appreciated, since I got absolutely nowhere with RyanAir for a 6 hour flight delay ("extraordinary circumstances" so no EU 261 rules apply eyeroll eyeroll) or with ITA for the flight cancellation (also "extraordinary circumstances").