Payment plans are allowed as convenience. All balances must be paid 30 days prior to departure. Deposits are non-refundable and non-transferrable. When booking a trip through ArockTravel insurance is automatically added. If you choose to not get insurance, you will need to relay that in writing. IT IS HIGHLY RECOMMENDED YOU GET TRAVEL INSURANCE AS YOU WILL NEVER GET A FULL REFUND WITHOUT IT. You may visit Allianz Insurance, AIG, and Insure My Trip, just to name a few if you choose to obtain insurance later. Travel insurance claims may take up to 4-8 weeks after the trip return date to be processed and remitted. ArockTravel is not responsible for any lost or damaged items while on travel. Monies and other valuables that are lost and not reimbursed with travel insurance, ArockTravel will not be liable.