I spoke with them again and Their TA did recommend travel insurance and they declined to get it they said they may add it later and never did. As far as what card was used I didn't ask. It's still a sore spot for them.
DW and I always buy the insurance at the time we book I look at it like protecting an investment. When they told me about their story I asked them if they bought the insurance and they said "no" the first thing I said was OUCH!!!!
Definately spend the extra money for the peace of mind.