We were unlucky enough to be on the TC flight which was diverted from LAS to Ontario, California on the 17/12 (first time that the airport has ever closed)
As a result of this we were delayed for 28 hours before arriving in Las Vegas.

When I spoke to our insurers - Marks and Spencer - they said that as per the terms and conditions because our initial delay was only 5 hours - we were entitled to nothing. I did ask what the difference was between being stuck in Manchester airport and Ontario airport, neither of which is the holiday that I had paid for and been insured for? They would not answer me. I suggested that it is a way of not paying for this sort of eventuality hidden in unclear language, they disagreed but still could not or would not offer an explanation as to why a delay or diversion is ok once you have taken off from the UK. We pay a lot more to insure ourselves going to the US, and we insure ourselves for the holiday - of which we lost 1/7 of our time.

I know that there is nothing that I can do at this stage - I did however want to make sure that others were aware of this situation when they are purchasing insurance. . We are awaiting a response from Thomas Cook also - I will update with hopefully better news from them?!!