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Too much travel Insurance - Who pays?

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Sadly, I must cancel a long awaited trip to Europe this month. I have surgery scheduled for the 23rd. Anyway, I did purchase travel insurance last year through Travelex (Travel Select). I purchased our plane tickets with a combination of cc points and the balance with my Sapphire Preferred card, including Economy plus seats and preferred boarding fees with United. So here's the question -- How exactly do I get reimbursed? I canceled everything I could, but I still have a couple train fares, and a couple nights in a hotel that are not refundable and the plane fare.
Will the travel insurance that comes with my Sapphire card pay for everything? Will Travelex pay for everything that Sapphire will not? Do I even bother talking to the Sapphire people and just file a claim with Travelex, or must I talk to Sapphire in order to get my cc points re-deposited? I'm afraid one or the other will tell me to go to the other company in a never ending circle of phone calls and being put on hold. Is there a primary payer here?

Thanks.

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