Travel plans that include volunteering and non-profit organizations may require a donation in order to participate. Even if the donation is non-refundable and secures room and board, they cannot be included in the trip cost for travel insurance. Trip cost should comprise the pre-paid, non-refundable costs from travel suppliers. This can be the cost of flights, cruises, tours and lodging. However, when the payment is a donation, with no direct goods or services provided, that cost should not be included. Always refer to the certificate of insurance for details.