If you were booked to go to somewhere in Asia next week and the place you were going to has just been knocked out of existence, then you are not going to get your money back from them and you're not going to get your money back from the insurance company either, unless it specifically said it would do so. And that's unlikely.

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They can insure against it, but quite often the cost of taking out that insurance is so high that you just wouldn't do it because the chance of this happening again is thought to be very, very small indeed.

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