If you already have adequate insurance to provide against cancellation penalties and to cover emergency medical benefits while you are traveling, you are free to refuse our insurance coverage. Please note that it's best to advise as early as possible. (i.e. before penalties come into effect) if you do not require our insurance and must complete a cancellation waiver form for our records. Before doing so, please ensure that you do have complete coverage from alternate sources (frequently we have clients who refuse our coverage only to find later that their coverage is inadequate).