This company is probably making over 50% of its income from fees and taking people's money when they need to cancel a trip. We cancelled our sons trip over eight months before the departure date. We had purchased a cancellation protection plan that we had been told would allow us a full refund minus our "fees"( which were never disclosed in any materials we were given at the enrollment meeting.) Upon canceling, we not only were told that most of our "refund" is in the form of a voucher, but that the voucher cannot be used by someone else we could sell it to on our trip-it can't be used for two years! This company is very disappointing, deceptive, and I would never recommend signing up unless you are 100% sure you will not cancel.