Insurance question

[dinosaurfeet]

If someone else has paid for your flights but you need to cancel them - whose insurance should cover it? The person paying or the person travelling? TIA

Bump - anyone?

Surely insurance for holidays and flights are individual? Ie the person flying. Unless it's for work, in which case it may be different as they may have thier own policy.
Thy usually don't care who's paid, they'll want to know why the person flying is now unable to fly.

The individual travelling needs insurance, even if not the lead name on the booking.

Thank you so much