I booked a trip for my husband and myself to go with a tour group to Costa Rica in September 2019 and paid for it with AmEx in November, 2019. We were originally scheduled to leave in March, 2020. We also paid travel insurance. A week before our departure they postponed the trip due to Costa Rica travel restrictions. A few months later the travel company, Cruise & Tour, rebooked the trip for November 2020, again the trip was postponed. It was rebooked for April, 2021 and on March 12, 2021, they notified us that we would have to buy additional coverage in case Costa Rica or the U.S. decided to quarantine us. We were also told we would have to pay an additional $160/person for COVID testing prior to returning to the U.S. We are getting up in years and my husband has several co-morbidities. The State Department is currently listing Costa Rica as a condition red and not safe to travel there. Not including the fact that there are new strains of the virus. We filed a claim with the insurance company and we asked Cruise and Tour to refund our money. Cruise and Tour said they cannot because all of the monies have been spent. Also, we know that typically airlines and hotels will cancel reservations within 72 hours of departure. We have also contacted AmEx, but they say the 60 day grace period has expired even though we have not traveled yet. We believe that these are extraordinary times and if we would not have signed the original travel request if all of these conditions had been known way back then.