Unfortunately, the outlook is not good if you have no travel insurance. However, you might consider bypassing the travel agent and appealing directly to the travel company/airline/other as applicable (in that order and if a tour operator then only that outfit). Prepare your communication carefully with the suggested documentation, and direct it to the very highest positioned individual you can get hold of and waste no time - it might be best to speak by telephone in the first instance, if only to try to get a name and address. The travel agent has a vested interest because if you do receive a refund (even if only partial) he/she/they are likely to forgo any commission.