Originally Posted by
tangoll
If I am fully refunded by AA or Expedia or bank issues 100% chargeback, I will return the insurance payment to the insurance company.
Rest assured that your travel insurance will notify Exp/AA to withhold their part of any refund payable to you. Receiving full monetary refund after being indemnified by your travel insurers (wholly or partly) is unlikely - your travel insurers are not stupid.