If you select that you do not wish to purchase travel insurance through Freedom to Explore Travel Agency, or that you will be securing travel insurance independently, you acknowledge and understand that you are declining the travel insurance option offered. By doing so, you accept full responsibility for any financial losses related to trip cancellations, interruptions, delays, medical emergencies, lost luggage, or other unforeseen circumstances. Freedom to Explore Travel Agency is not responsible for any costs incurred due to the absence of travel insurance coverage.