Hi, I hope someone can advise me here. My 15 year old son will be going to France and Italy in September this year on a school excursion. I have been advised by the school to take out a policy with an insurer that will cover cancellation costs once DFAT advice level gets to 2. I have called Good2Go and InsureNgo as rated by Choice and they both say no cancellation won't be covered due to some pretty loosely-termed points regarding terrorism/unrest/government actions etc. DFAT level is currently 3 and while I know this can change, I'm concerned about losing the couple of grand deposit I've already paid and then another 4K due in instalments. Has anyone had any experience in this area that can assist? Yes, I should've sorted insurance before I paid a cent but the school intimated earlier the excursion might be changed to Switzerland (not now) and also dates are not even set in concrete yet.