We understand that life happens and that sometimes unfrozen circumstances may necessitate the need to cancel or reschedule. Unfortunately, we can not offer refunds unless we are able to fill your spot with someone on the waiting list. We can however recommend travel insurance to cover your costs if you have to cancel. There are many travel insurance companies available, but one we have had experience with and can recommend is Travel Guard. Their website is https://www.travelguard.com. Travel Guard offers many different options for insurance and we recommend looking into the various choices.