At least BA are offering vouchers/refunds, I've got a few non-refundable hotel bookings (via booking.com) where they're flat out refusing to budge, even though the advice at a corporate level is full refund. For those properties that do act like that, they will be remembered and of course there will be a nice review to that tune left on all channels possible.

Travel Insurance seems to be useless in a lot of these situations, because where the travel provider offers an alternative date/voucher etc. the TI deems that to be an acceptable resolution (even if you can't actually use it.......) therefore claim denied.