I just found out there is a chance I may qualify for trip cancellation insurance benefits.
The last time I claimed anything from insurance policies was over a decade ago when my first laptop's power cord died prematurely.
My experience with the claims adjuster/adjudicator was really good. All I had to do was to prove my purchase and send them a copy of the note saying it cannot be repairable and they will reimburse me for the new one.
Part of my credit card benefits is travel cancellation/interruption. When it was suggested to me to find out, I called and spoke to a nice fellow who is sending me a package to fill out. Someone else will decide if I would be eligible for anything.
Though not related to my shoulder issue, the closing of JFK due to hurricane Irene may work in my favour too. It would be a neat bonus if I qualified to get some monies back.
In the meantime I am enjoying my staycation.