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It's not personal it's just money. That expression gets tossed around all too much today. Corporations don't care if you have 4 hungry mouths to feed. Can't make rent ‘cause of an injury. It's not their problem. Unfortunately, airlines and other tour groups will take this stance when it comes to canceling trips. If you can't go you still need to pay at least something. Sometimes the whole amount. This can be a real problem for people who are traveling while someone is very sick in their family. Of course, if that person falls very ill or even dies you'd want to be there. In this situation Trip Cancellation Insurance would be greatly valued. You can still plan your trip. Then God forbid if anything did happen you could cancel it without losing everything.