Things are not looking too well here. Our trip is only 22 days out and I'm not sure DH will be well enough to travel. We have never had to cancel a trip, so I never really paid too much attention to the holding spiel. Can someone please explain it to me in simple terms? My points are borrowed, I think all 240 of them, does that make a difference? I understand that we should cancel as soon as possible, but he's holding onto the dream that maybe we will still be able to go if he can overcome this rough patch he's going through. What is the latest I can cancel if I must?