Depending on the policy, travel insurance may be able to cover non-refundable travel expenses and medical emergencies.

For example, if your tour is less than one month away and you become ill and cannot attend the tour - you will not be eligible for refund from SMA relocation tours. However, some travel insurance policies may reimburse you for the cost of your tour.

Example coverage available with some travel insurance policies includes:

• Trip cancellation or interruption due to sickness, accidental  injury, or death of a traveler or non-traveling family member, weather  delays, natural disaster, etc.
• Emergency medical services and / or evacuation
• Baggage loss

Some credit card companies include travel/trip insurance as a  benefit of using the card. Check with your credit card company to see if  they offer this benefit. 

You can shop for travel insurance on these sites:

• TravelInsurance.com - Compare and Buy Trip Insurance
• InsureMyTrip.com
• WorldTrips Travel Insurance
• Seven Corners
• Allianz