It looks like the bulk of the discussion has shifted over to the thread on TK, but in case anyone else flying AC is wondering my question about Citi trip insurance for an AC ticket has been rendered moot - AC is now saying that they will do full refunds.

Still a shame that my in-laws are forcing us to cancel this long-awaited trip. Was really hoping that I could convince her family to put the risks in perspective, but no luck. (Anyone have tips for talking to risk-averse family members in these situations? My attempt to compare the risks of traveling to Istanbul with those faced in everyday American life apparently came across as belittling.)