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All race-related purchases are non-refundable. Insurance is available through a third party during the registration process. It may be hard to predict your health, fitness and life circumstances for a race in October, which is why we recommend purchasing insurance. It’s important to review the plan offered as policies vary by state of residence and do have limitations. Insurance policies do not cover acts of god, i.e. natural disasters, hurricanes, etc., which may cause the race to be cancelled. If the race is cancelled or postponed for any reason, then insurance policies will no longer be valid and no refunds will be offered.