We have trip cancellation insurance which covers $10K of a $16K trip. We decided to "self insure" the $6K as it was unlikely we would cancel the trip. However, it now seems likely that the tour operator will declare insolvency, which is covered under the insurance we purchased, up to the $10K. Since the tour operator has not yet declared insolvency, could we buy another policy for the additional $6K so that we are fully covered? Would you recommend we buy it from the same or a different insurance company?