I did not read the entire thread but I'm glad the seller came through in the end and gave a full refund.Are you willing to pay the insurance as part of your purchase price?
This is one of those cases where the shipping carrier is as fault but bears no responsibility for the loss per their contract when the shipping was purchased. Even with insurance they would not cover a live "animal" loss due to shipping delays or not. Purchasing insurance for corals would be a waste of money.