https://www.siliconvalley.com/2022/09/21/travel-troubleshooter-awaiting-a-refund-for-a-vantage-cruise-that-was-canceled-in-2020/

DEAR TRAVEL TROUBLESHOOTER: Back in 2019, I made a reservation for me and my wife to go on Vantage Travel’s “Croatia & Culinary Gems of the Adriatic Coast” tour. Other members of our family were also planning to join us on this trip. I made the final payment of $20,655 for our trip in Oct. 2019.

As part of the cost of the trip, I paid $999 per person for a “cancel for any reason” travel insurance policy from Trip Mate. Part of the reason I had booked it was in case my sister-in-law’s cancer returned. Unfortunately, it did, and she died before the trip.