I have DECLINED travel insurance, and I am aware the insurance premium is NON REFUNDABLE or transferable, no exceptions. I am DECLINING TRAVEL PROTECTION/INSURANCE. I have read and understand all cancellation charges and change fees related to the above travel arrangements, and that I may not be entitled to a full refund should my travel plans change. In case of cancellation of nonrefundable airline tickets or other arrangements, I agree to pay all applicable penalties according to the travel supplier’s rules.