I cancelled flights on Spirit booked through Expedia with travel insurance. I find myself with two different policies; one with Aon visible on the Expedia site, and one with AIG that showed up with the Spirit booking. I don't understand this; I only clicked one box, as far as I recall. Upon cancelling the 'non-refundable, non-changeable, non-tranferrable' tickets, I was surprised to be told that I was receiving a credit for most of the cost. This is actually bad news, as I have no possibly way to use that credit in the 60 days it is good for.
So, this question has two parts: (1) are these policies redundant, or do they cover complementary aspects of the situation, (2) are they likely to refuse to pay the money covered by the useless credit?