INITIAL DEPOSITS AND FINAL PAYMENTS ARE NON REFUNDABLE. Initial Deposits are made to secure vendor services at specific times with deadlines set well in advance of our trip. Our goal would be that every participant have the use and enjoyment of the funds they have expended to join the group but we cannot guarantee we will be able to refund any portion of an Initial Deposit or Final Payment. We also understand that issues arise, beyond the participant’s control, that require cancellation or change of plans after payments have been made and reservations have been secured. As a result, we strongly encourage each participant to purchase travel insurance to cover these situations that would require cancellation or change of plans. By making the above described payments you are acknowledging you have been encouraged to purchase travel insurance and that your payments may not be refunded in the absence of said insurance coverage.