If you have purchased the quoted insuarance you can cancel for any reason up to 2 hours prior to departure and receive a full refund, less the amount of the insurance.
With Air-
Up to 3+ days prior to departure $50 per person plus applicable hotel penalties. Airfare is non-refundable.
2-0 days prior to departure $75 per person plus hotel penalties. Airfare is non-refundable.
Hotel Only-
Up to 3+ days prior to departure $25 per room plus hotel penalties.
2-0 days prior to departure $50 per room plus hotel penalties.
Hotel Penalties- No refund if canceled less than 24 hours prior to travel.
Please note that these can change.