Severe storms ended Kim’s holiday before it had started. Fiji is a tropical island that experiences heavy rain that can cause flash flooding during the wet season. Kim was set to leave on her island holiday when she received word that her trip was cancelled because of heavy flooding. She received a full refund from the airline but unfortunately her accommodation in Fiji was already booked and paid for. After calling the hotel, Kim was offered a refund but had to pay a cancellation fee because she was due to arrive within 24 hours. Fortunately, Kim’s travel insurance policy covered her for delays and cancellations caused by natural disasters, and she was reimbursed for the cancellation fee.