You won't get an advance, but you also will not be out of pocket for any expenses up front — particularly an agent's fee. (jeanettecates.com)
If a trip is a prize that was won, then there is no out of pocket expense of the traveler and no money at risk in the event of cancellation or interruption. (squaremouth.com)
If you buy $ 90,000 worth of insurance yet it will cost $ 100,000 to rebuild it, you will be out of pocket $ 10,000. (netquote.com)