What is the refund policy and is there a way to get additional trip insurance if we were unable to make our trip do to illness or an unforeseen emergency?

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What is the refund policy and is there a way to get additional trip insurance if we were unable to make our trip do to illness or an unforeseen emergency? (by Shara P.):

What is the refund policy and is there a way to get additional trip insurance if we were unable to make our trip do to illness or an unforeseen emergency?