I had not seen Joe's post here previously or I would have responded at once. SkyMed is still trying to figure out who told Joe "no" because it was dead wrong and should never have happened. As soon as Joe called me I contacted SkyMed's CEO and told her what had happened and she was aghast...and upset. They are investigating. In any case, we're all happy the refund is a done deal and Joe has the extra year, and he got the 25th anniversary promo price. SkyMed is a superb company and I've highly recommended them for years -- and have been a rep for more than 10 years now. I never travel anywhere without it.