All payments are NON-REFUNDABLE unless otherwise mentioned. We always recommend Travel Protection for all guests. If you would like a quote for travel insurance, please check yes. By checking no, you agree with this statement: I understand that without insurance, there are no refunds for any reason. Travel Insurance protects your vacation investment in the event that your plans change due to weather, natural disaster, financial default of the travel supplier, military deployments, medical needs, need to work, etc. Insurance must be purchased at the time of deposit to maximize coverage and benefits.