Regarding @tableboston, if a customer uses travel insurance then the customer is reimbursed AND the vendor is paid. So, the customer should have been compensated and the restaurant should not have taken a loss. However, if a chargeback is used then the transaction is (typically) cancelled and the vendor loses the transaction amount plus a chargeback fee. Chargebacks are used when there is a dispute over the transaction and is very different than travel insurance. Can anyone explain why the restaurant lost money if travel insurance was used? Thanks!