The payment schedule is $2500 due at the time of reservation, final payment due 70 days before departure. Cancellation 90 days prior to departure will be refunded the amount paid minus $500 which is not refundable. Cancellation 89 days to 60 days prior to departure will be 50% of the amount paid. There are no refunds after 59 days before departure. I do require travel insurance that covers trip cancellation.