i had the same experience w/ expedia when i booked atrip package w/ air and hotel, along w/ the vacation waiver...i was told that i would have to pay the penalty to change the air portion in order to use the ticket...and that they would turn around and credit me for the penalty...they dragged out refunding me after numerous calls over several months...being told it would take 3 billing cycles to showw my credit on my cards statement...i called my bank and they said that they credit the refund as soon as the business closes out their system which is normally done daily...i probably called over 15 times and even spoke to a supervisor w/ and attitude and kept being told it is in process, or it was already credited and to call my bank...i finally called aarp and told them to straighten this up for me because if i don't get my refund i will call my attorney to start a lawsuit for FRAUD which is what this practice is...they told me they would investigate the problem and call me back in abound 7days...well that finally got results...after only 4-5 days my refund magically appeared on my online bank account...it could have even been credited before the 4 days but this was the first time i looked...i still have never recieved the phone call from aarp to explain to me what the hell was going on w/ this...i also have to mention that the reason that it is considered FRAUD is because they contractually agreed to do what was in question about the refund...plus i wanted the money paid for the waiver itself since they never fulfilled the contract...i never received the waiver refund for the policy itself but i think they realized that they truely could have a lawsuit to deal with ...so if you have had this problem i suggest that you call aarp and give them an ear full about their partner for travel (expedia)...if anyone else has had this problem w/ expedia's vacation waiver i'd like to hear from you ...WE HAVE TO GET THE WORD OUT BEFORE OTHER PEOPLE ARE RIPPED OFF BY THIS DECEPTIVE PRACTICE...IN NUMBERS WE HAVE MORE INFLUENCE TO GET SOMETHING DONE, such as starting and signing a petition and sending it to aarp/ expedia, as well as the the proper authorities to make sure that this becomes public knowledge...feel free to email me at clayguy39@hotmail.com