Can't Win for Losing

When things went wrong for my grandmother she would say, "I can't win for losing." That's how I feel right now. No sooner than I have satisfactorily resolved my complaint with Circle C Meats than I have another battle to fight. And this battle is against Goliath. Today my Goliath is Priceline.com.
Last month my husband and I decided to spend our wedding anniversary in Pensacola, Fl. He was hired by a non-profit organization working the oil spill in the Gulf. They were covering his lodging expenses so I purchased a plane ticket to Florida. A month into his job and two days before my departure he was abruptly given his walking papers. We are both currently unemployed.
We made the decision to scratch the flight I booked on Priceline.com and file a claim with the insurance company so as not to incur more expenses. Long story short: the insurance company says (and Priceline is standing behind them) I don't have recourse for reimbursement because I was a self-employed person/independent contractor/not employed by big business for at least three years.
I wish my grandmother were still here. In her 70+ years on this earth she experienced her share of disappointment and truly understood that sometimes "I can't win for losing."