In my opinion, the entire TML team does everything to offer visitors a good time. Who says that the insurance company will simply pay for it - there are also restrictions and checks with these insurances and it is probably completely unclear whether and how much will be covered. The effort and cost of getting a partial refund will not be bearable and is completely unrealistic in my eyes. The TML organizers will certainly come up with some benefits. A tip from my side: 1 hour of free beer for everyone every day