I agree with Pauline. I just pay my deposit and the trip insurance (Trip Mate) at the same time, and not worry over it.
Since GCT canceled our Feb. 5 departure to Egypt, we are getting back all of the cost of the trip AND the cost of the insurance, since we bought it THROUGH them. I don't know what your other travel insurance company will do about refunding you. Guess it's a good reason to just do everything through GC.....just my opinion. (If we had canceled, we would not have gotten the cost of the travel ins. back because at that point it would have been "used".
They will not refund the cost of your visa. That's just one of the "risks" of planning a trip, and it doesn't get to "go". What has happened in Egypt is out of GC's control. I don't know this, but I would think perhaps if GC had canceled due to something in their control (not sure what), that maybe, perhaps, they might have paid you for your visa.......
Air on your own is always a travel "risk" also. We had used some of our American mileage to book our flights from Austin to JFK, and then were starting with GC from there. When we canceled those flights yesterday, it cost us $150 each to have those miles reinstated into our Advantage accounts. Maybe your travel insurance covers the cost of your air that you booked. I suggest getting out the paperwork that they sent you when you bought it, or just give them a call and find out.
As previously stated, we just applied some of our refund to a Last Minute Deal to China, leaving later on this month. Now all I need to do is practice up using chopsticks, and be sure I have enough warm clothes!!!!! (Well, get an expedited visa also!!) :)