Travel insurance is not automatically included in your package and can be priced for you by your Dreams and Destinations Travel Consultant. Cancel for any reason insurance, if available, must be purchased with deposit. Catastrophic insurance options can be added after deposit, but are not cancel for any reason. Insurance is highly recommended as travel suppliers, airlines and resorts often charge fees for trip change/cancellation after payment has been made. Dreams and Destinations Travel Agency is not responsible for penalties or fees should you change or cancel your trip. The cost of insurance is nonrefundable and insurance policies are non-transferable.