When it comes to insurance all I can do is pass on what we have been told. I am not the authority on insurance and often you hear conflicting information.

However, it appears the AIR will not be refunded as it was used then it stands to reason they wont refund hotels or any other expenses pre cruise. Once the cancellation of the cruise was announced Regent put us all up on the ship or in a hotel paid for everything including our food expenses and flew us home.

What of any value is left to claim? To file a claim for a small amount makes no sense when you can transfer this policy to another trip. Why take the risk of filing and losing the transferability of the policy.

All that said it would not shock me if someone applies to an insurance company even CSA and even gets the air back. Claims go to different underwriters some may approve and some may not.