Terrible experience, avoid with all cost. We booked a tour to Asia with Ivy_ ROYAL HOLIDAYS owner since November 2019. We canceled the trip because of COVID . After 4 months have been trying to get refund and statements for Insurance but still have not got anything yet. NOT SEE REFUND and even STATEMENT AT ALL. They ignored me. I think they take advantage of people I just filled complain with ALBERTA CONSUMER COMPLAIN AGAINST THE OWNER AND COMPANY. Here is website if you want to complain, don't let them fool you : https://www.alberta.ca/file-consumer-complaint.aspx