SBS will make every effort to recuperate program payments in the event of cancellation. However, our ability to do so is sometimes limited. 100% of cancellation fees are covered by the optional travel insurance if the premium has been paid and the reason for cancellation is insurable. The following cancellation penalties will apply: from the day of registration to 90 days prior to departure, $85; from 89-70 days prior to departure, $125; from 69-45 days prior to departure, 35% of total program cost; from 44-31 days prior to departure, 70% of total program cost; from 30-8 days prior to departure, 85% of total program cost; within 7 days of your departure, 100% of total program cost. If your cancellation is after the full payment deadline and causes a forced single supplement to another traveler, that cost will be deducted from your refund. Any unrecoverable charges, e.g., airline or hotel charges, will be deducted from any refund. Total cancellation charges will not exceed the total program cost. The cost of travel insurance is not refundable.