score:4
This is not answerable without knowing the specific language used in each reservation and insurance policy to address issues of cancellation, as well as issues of impossibility or impracticability of performance.
That means assessing the actual words that appear in the terms and conditions of every actual provider — and there may be more than one provider — and then applying those words to what actually happened. This list of providers is not exhaustive:
the tour company that sells the excursion
the airline that will operate the flight (the "operating carrier")
the airline that sold the ticket (the "ticketing carrier")
the online travel agency or tour or travel aggregator that sold the ticket
the insurance company