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Trip insurance that covers operator default

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If you're booking with a company outside of the US and they go out of business will basic trip insurance that says it covers "supplier bankruptcy or default" reimburse you? Or is there some loophole if you can't "prove" there is 100% cessation of business? I'm imagining how they'd try to get out of it if you can't really prove anything besides the fact that they no longer respond to calls or emails. I've emailed a trip insurance specialist but in the meantime before I hear his response I was wondering if you've had any experience with this topic.

The policies I'm looking at say they won't cover a travel agent's default if you book through them, it only covers a supplier going out of business. So if a company in Africa is providing the safari but booking you in at different lodges does that make them a travel agent rather than an operator or supplier for insurance purposes? I guess I really need to wait and hear back from the expert.

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