I was going to let this whole issue drop, but I feel that I must point out a few things. In your own words, you admit that GCT does warn that travelers must be in good/excellent physical condition. They warn that there are stairs and uneven pavements that could cause problems. In fact, I have felt that they can be over-cautious in making sure that people understand upfront what they are likely to encounter. They encourage you to purchase trip insurance, and it doesn't have to be Trip Mate. It can be Travel Guard or any one of the other companies, all of which offer pretty much the same policies.
GCT treats travelers as adults and expects us to know what we can manage. There's no reason for a travel counselor to question details about an individual's health and fitness. If we purchase a trip, they assume that we have read the descriptions and have determined that we can handle it. Since I am a senior with some physical limitations, I do not travel with OAT as interesting as some of the trips sound. And I have to miss out on a few of the GCT excursions because they can be too strenuous for me to keep up.
Ocean cruises don't offer the same physical challenges.
I always purchase the trip insurance when I pay the deposit. That way, I am covered if anything happens. The one time it did happen, my friend was diagnosed with cancer and had to cancel at the last minute. Since she had no family to care for her after surgery, I canceled my trip as well. We had also paid deposits on a trip scheduled for a few months later. Everything we had paid, with the exception of the insurance charges and a small handling fee, was returned with no trouble.