Will travel insurance cover my missed tour?

Douro river. / Photo by furibond – Flickr Creative Commons
Question: We are having trouble with a claim we made on our Allianz travel insurance we bought for our recent trip to Portugal with Vantage Deluxe Travel.
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Do I deserve a refund for a “minor” problem on my river cruise?

Bill and Mary Lou Haas were looking forward to a peaceful European river cruise booked through Vantage Travel during the Christmas holidays. But their expectations were figuratively shattered when they found several unexpected guests would be joining them on their vacation: kids.
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Is this any way to treat a member of the President’s Club?

Sarena Wiener thought she’d taken every precaution before embarking on her Vantage Deluxe World Travel tour of India recently. Her flight itinerary gave her plenty of time to make her connections, she had purchased travel insurance, and besides, she was a valued customer — a member of Vantage’s “President’s Club.”

What could go wrong?

Everything could go wrong, that’s what.
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