| family trip in December - family of four. |
| If it is over $500 I pay the premium to get things fully refundable. |
| Yes. If kids are involved, wickness rtc in dec is frequent. |
| Yes |
| I have never had to cancel a vacation so I risk it. |
| Are they actually refundable on demand? No reason needed? Or is it “travel insurance” that’s written in a way that’s impossible to actually use? |
| No. Worst case, you can either get a refund as airline credit; or you can change to a future flight (if you haven't departed yet) and just pay the difference. |
Actually refundable. |
| It depends on the destination and other terms (e.g. is change allowed with penalty? Is cancellation allowed with penalty?). If the tickets are non-changeable non-cancel label even with penalty, then yes, I’d pay more. If cancellation or change is allowed with penalty, then I wouldn’t pay extra at this stage. |