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Two insurance queries

First question is about small groups. If the group co-ordinator has to cancel because not enough attendees, is there any type of policy that would cover cancel for that reason? Other than the CFAR which is way to costly. Second is about CDC recommendations. If the CDC recommends malaria but it is not mandatory and the guest contracts malaria and is hospitalized, some companies will NOT cover the expense because they did not follow suggestions. Has anyone encountered this?

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