@Michelle2475 What an awful situation! Depending on which kind of travel insurance your daughter is using, she might have an easier time getting support through them, but the more affordable plans are usually no help when the tied-up funds leave you in a cash-flow emergency.
"Air Cover" for guests is a joke - they list all these things they'll do to help you if you have a travel issue or get cancelled on, but then at the end of the sentence they say they'll either do that "or you'll get refunded." In reality, a refund is the best you can hope for, and even getting that is like pulling teeth.
I've been in the same situation as a traveler, and one stroke of luck was that I was on vacation, and not attached to the destination due to work or school or prepaid activities. That meant that when I was stranded in a super-popular spot that was expensive and hard to find last-minute accommodation, I could just do some quick research and find a lesser-known locale where my budget stretched out farther. In hindsight, that's been a blessing in disguise - some of the most interesting experiences I've had came because I had to pivot away from mainstream tourism at the last minute. If it's any consolation to your daughter when reflecting on the trip later, those things that feel like nightmares at the time often turn out to be where the real adventure begins.