Travel insurance is not automatically included in your package. Reduced rate group insurance or cancel for any reason insurance (if available) MUST be purchased with deposit. Insurance is highly recommended as travel suppliers, airlines and resorts often charge fees for trip change/cancellation after payment has been made. The processing agent is not responsible for penalties or fees should you change or cancel your trip. The cost of insurance is nonrefundable and insurance policies are non-transferable. Travel insurance does not cover increased cost related to changes in occupancy.