This charge will be manually applied by the agency to your reservation. If there are any issues, an agent will contact you. PLEASE NOTE - An insurance option has been offered in your vacation reservation. It is the responsibility of the traveler to review the policy. By submitting, you certify that you are the cardholder and are authorizing Travel & Luxury Vacations, LLC to charge your credit card directly to the specific Tour Operator/Supplier/Cruise Line. You certify that you have verified that all information contained in the confirmation you received is accurate. Cancellation penalties may apply. Furthermore, you also certify you have read the Terms and Conditions.