We booked a trip to Europe and I purchased insurance. As I go to cancel they have a full refund if you notify them 60 days or more before. I notified them 63 days before. WHY are they keeping $2,800 They are crooks and don't trust them. The women who took my call said I needed to do it in writing and I did it twice in writing but they don't acknowledge it. So disappointedd. I will be using Perillo tours from now on.