I'm debating about trip insurance and wondered if I could get some help. Can we get a refund inside of 45 days if we have to cancel or change our trip. I thought inside of 45 days is $100 up to like 5-7 days prior to arrival you have to pay $200. Is this correct? We are just concerned that a death in the family or something might happen and we would want to reschedule our trip. I'm willing to gamble if my loss wouldn't be greater than $200 but I don't want to loose the entire $2500 of the package. I just don't want to buy trip insurance for $80 because likely we won't need it, but if I knew we would be refunded most of our package price I wouldn't worry about the insurance.