After you buy a pass, you have six months to validate it in Europe. This insurance does not replace your pass while in Europe, but allows you to make a claim at home for the unused portion of the pass that was lost or stolen. This will cover financial losses if you must cancel your trip because you or a family member become ill. Ask a travel agent for details. Most unused, unvalidated passes can be exchanged for more expensive passes for a small fee.
Most refunds take six to eight weeks.