I have taken two nice tours with R. S. However, shortly after booking an $8000 trip to Antarctica for Feb. 2019 (and before buying insurance) I had to cancel. My $850 payment was non-refundable. The trip is a year away. Does this policy seem reasonable? I'm not questioning whether the policy was included in the information because it was. The policy that says that your down payment for your trip is not refundable in part or in whole this far in advance is just simply greed on the part of this organization. This is an especially difficult policy for people who are on a fixed income. I will not travel with them again.