We highly recommend that you consider travel insurance to cover any losses as a result of your inability to participate on any trip that you have paid for. It is very common for people to be unable to attend trips that they have paid fees for. In the event that you injure yourself before a trip, have a personal or family illness, encounter unexpected work obligations, etc. your trip fees are generally non refundable. If you would like insurance for these situations your best option is to either self-insure or purchase trip cancellation and interruption insurance.
Trip Cancellation Insurance Providers:
Redpoint Travel Protection - Ripcord Policies