Originally Posted by
dechil
if I can't go in Bali due to volcano ashes, shall I lose all my money?
Travel insurance might come into play if you have already purchased it, but otherwise, it's a known event so if you purchase now, chances are there would be no coverage.
As for the unavailability of hotel facilities, some travel insurances cover for it as well, however, it's probably best to negotiate with the hotel.