I had to cancel our trip within the 7-day period due to bad weather in my home state that prevented us from traveling. I requested to re-book on a future date. I did not purchase insurance however I was not just cancelling but re-booking. The host Jake would not work with me to apply my booking fees to the future date, so I was out the full . I understand the policy, but this was not just a full cancellation, but a reschedule. Some understanding of the unexpected situation would have been expected.