For trips booked to Bali.... if they need to be cancelled because of the volcano, who pays? Some insurances taken a while back will pay for it but for new bookings no. Does the host get to keep the money and the traveller loses? Thanks.
I'm sorry to hear that you're affected by the volcano eruption on Bali. I just want to let you know that @Cynthia-and-Chris1 shared a very helpful link about extenuating circumstances. Perhaps this is applicable to you as well.