Travel insurance was included in the price of the trip. Road Scholar contracted out the trip to a tour operator in Orlando, which provided the vans and tour guides. On the last stop of our trip before heading to the Miami airport, at Biscayne National Park in Homestead, we were advised by our guides that it was OK to leave our carry-ons in the van. National Park police investigated and reported to us that there were no security cameras in the parking lot. A representative apologized for the incident and gave me a case number. A closer look at Road Scholar’s terms suggests that it isn’t liable. According to its registration and program policies on its website, Road Scholar neither owns nor operates any of the suppliers it works with; they are independent contractors. [...] Road Scholar is “not responsible for any injury, loss, or damage to person or property” — in other words, the fine print lets the organization off the hook. [...] Road Scholar sold you an insurance policy through Aon that, it promises, is “an exceptional benefit and value.” [...] you were cornered between a restrictive travel insurance policy and a tour operator that only viewed itself as a middleman. After we contacted Road Scholar on your behalf, the organization called you and offered to cut you a check for $1,000, which covers the cost of your lost items and your insurance.

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