I am studying abroad this summer through a program called American Councils. Originally, I was supposed to go to Russia, but based on my religious identity as one of Jehovah's Witnesses in conjunction with relevant political affairs going on in Russia at this time, the program decided it was unsafe for them to send me there. The day before I found out this information, I had gone ahead and booked my flight through Brussels Airlines, but I had bought travel insurance. However, the travel insurance only covers death of a family member. Exclusions are fairly absurd. For example, a terrorist attack is not considered a legitimate reason. Without reading all of the exclusions and regulations, I went ahead and canceled my flight. I received a left over tax amount of $70 back while the $812 remaining will not be returned back to me according to neither the airlines nor the travel insurance company. My flight was nonrefundable and since I have willingly canceled it, I now have neither a flight nor money. I have been calling them for more than two weeks, explaining the situation over and over again. Finally, I have put American Express up to the task since I bought my ticket with one of their credit cards. They are on the case at we speak. However, I need to get my flight situation squared away soon. The study abroad program begins in less than two months. As a student, I am in no fiscal position to purchase another flight without first rectifying this situation. My next plan of action is to reach out to some consumer protection agencies. Thank you for taking the time to read this. Your help is much appreciated.