4 of us are planning a trip to the UK and Europe in May, 2020. One of thee group is a permanent resident of The Bahamas and will be travelling with a Philippine passport. We understand that she needs Visas for the UK and European Union. We want to book soon to get lower airfares. To get the Visas she needs she has to document flights and hotel reservations. The problem is that she can only apply for the Visas 90 days before the trip. Will trip insurance cover the cost of cancellation if she is denied a Visa.