I bought their Gold Protection cancellation that allows someone to call until the time of pick up to either reschedule or get a full refund. I was on a cruise that could not dock in Athens and when I was in dock in Crete, I called them to tell them that our cruise was cancelled going into Athens. They said that since the ENTIRE cruise was not cancelled that I could not get my refund. Are your ****ing kidding me? Their Gold Protection terms clearly state that if your cruise arrival is cancelled, you can cancel and get a refund. That is a big LIE. I've used Suntransfers several times. When things go right, it's fine. But when things go wrong, you're screwed. Use a local service where customer satisfaction is important and they monitor things like cruise ships being cancelled going into a port or a flight being delayed or cancelled.