Travel Troubleshooter: My trip to Iraq was canceled, so why can’t I get my $7,590 back?
DEAR TRAVEL TROUBLESHOOTER: I paid $7,590 for a Modern Mesopotamia tour to Iraq through MIR Corporation for last fall. I also purchased insurance from AIG Travel Guard at a cost of $766, which offered 100% coverage for trip interruptions or cancellations. Just 14 days before the trip was supposed to start, I received a letter from MIR Corporation that they were canceling the trip because the United States government raised the security risks. They offered a voucher, which was only good for a trip to Iraq in the next two years — if there was any travel allowed to Iraq. I believe it is a worthless voucher.

I filed a claim with AIG Travel Guard, but it denied my claim. I also disputed the charge on my credit card, but my credit card company sided with MIR Corporation. I’m very frustrated by this and hope that you might be able to help me recover this money.
— Diane Gottlieb, Chicago
ANSWER: It doesn’t seem fair for a tour operator to cancel a trip and not offer a refund. But the terms of your tour say otherwise. They allow MIR Corporation to keep your money and issue a voucher for a future tour, which is exactly what they did.
