I had gone on 2 SmarTours to South America and China and they were middle of the road tours that covered most of the sites in good accommodations.However, I had a credit with the company and booked Iceland as it was 1 week and close to NY. But I was not strong enough to do the tour and cancelled 3 weeks before and the policy was to subtract $1500 and refund the rest. They did not honor their policy-they cancelled the tour afterwards. They ignored my requests to honor their policy-they refused to respond.They said I had to have a credit but I am unable to take another tour.I filed a Trip Mate insurance claim which was denied with documentation,medical statement which I submitted. It took 3 months to deny my claim. This company is a nightmare of non communication and ignoring their own policies. Buyer beware.