Looking back on the covid financial losses from 2020, no insurance purchased for anything:
Individually booked trip to Prague: flights refunded since canceled, all else refunded except the $26 chamber orchestra tickets, donated the money rather than pay $15 bank wire fee, credit back to card not possible, voucher for future tickets not possible.
Individually booked trip to DC: flights refunded since nonstop changed to connecting. No other prepaid costs.
Individually booked trip to NY: flights refunded since times changed by over 2 hours. Prepaid lodging fully refunded.
Booked tour for son’s high school trip to Europe: initially refunded 60%, sued tour company in small claims court, won 90% refund.
Total losses about $370, which isn’t too bad for four trips.
Lesson learned: never book a tour, but the option with a school tour is to go yourself as a tour guide to provide a parallel private tour for your child— not a very desirable option, but you maintain control of your money and the cost for the 2 of you is about the same as 1 in the tour.