Will you take out travel insurance for your summer holiday?

Your Comments

We are planning to travel to the U.S. on a package holiday.  The tour company, based in the UK, but using an American airline, have not given me a satisfactory answer about whether they would take responsibility for us if we were stranded.  This happened to us in 2010, when the ash cloud grounded aircraft and we were travelling independently.  We were stranded for 11 days in New York and it was a fight to get anything from SAGA.
Do we pay for the extra cover or does the tour company have to take responsibility for us until we return to the UK?