The payment schedule is $1000 due at the time of reservation, final payment due 120 days before departure. Cancellation 120 days prior to departure will be refunded the amount paid minus $500 which is not refundable. Cancellation fee 119 day to 90 days prior to departure will be 50% of the amount paid. There are no refunds after 89 days before departure. We do require travel insurance that covers trip cancellation.