CANCELLATION AND REFUNDS
The first deposit is NON-REFUNDABLE for any reason.
All other deposits are refundable until April 15th. After that there are no
refunds but you MAY be able to transfer some of your deposit to another
traveler. Your options are to 1) receive a refund from LHAB for your
payments from February onward minus the first deposit or 2) find another
traveler(s) to transfer all of the funds you have currently paid to their
account and have them personally reimburse you (this can only be done once
enough people have signed up to cover the spots that you signed up for). LHAB is not facilitating any transaction
between you and another traveler, and in the event that you transfer funds to
or from another traveler you are fully responsible and liable for the
transaction and any charges, costs, or consequences that result from it.
CANCELLATION AND INSURANCE
After September 1, 2014, when the Passenger Manifest
(name list) is turned in, travelers who are covered by the trip cancellation
insurance that is included in the program (which includes a $40 supplemental
charge for those age 72 or older) covers you for an “unforeseen medical
emergency unrelated to a pre-existing condition”. In other words, should the traveler have a
condition that prohibits them to travel, as documented by a Doctor’s letter,
they can apply for a full refund of their deposits (less a $70/person
processing fee charged by Lloyd’s of London).
Things like illness, death of a spouse, heart attack, house fire, broken
leg etc are covered. Second heart
attack, reaction to 8th chemo treatment, a broken heart, changed your mind,
didn’t get your Passport in time, military deployment, changed jobs are
examples of things not covered.
We strongly advise everyone to read the full terms and
conditions of the insurance policy, as this is a contract between you and the
insurer. We want everyone to take the
time to be well-informed regarding their rights and responsibilities.
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