If there is some reason you may need to cancel the trip such as the death of a relative or personal sickness, you may still be liable for the total cost of the tour (subject to the cancellation penalties as outlined in the Cost/Payment section). You may want to consider the purchase of Trip Cancellation Insurance. This is not included in the cost of the tour, nor is it offered by Volga German Tours. One such company that provides such insurance is AIG (http://www.travelguard.com/). You can contact them to purchase this sort of insurance. Neither Dr. Mai nor Dr. Koretnikov has any affiliation with AIG, and neither receives any compensation from AIG. It is only offered as an example. You are free to choose any company that provides such coverage.