You can also book on http://allaboard.eu/eurail, where you can get a full refund without paying extra.

When I click that link, I get this message: 

Internal Error

The link is working now, but I see the terms say this (I live in the United States): Our booking service is offered primarily to anyone residing within the EU and its neighboring states such as Albania, Belarus, Bosnia, and Herzegovina, Georgia, Kosovo, Moldova, Montenegro, North Macedonia, Norway, Russia, Serbia, Switzerland, Turkey, Ukraine, and the United Kingdom. 

Well, they sell Eurail and Eurail is for people not living in Europe so clearly their service is also offered to those people.

Hi ​@s8833, sorry for the trouble! Have you checked the first page of the checkout? If you scroll down a bit, you should see the refund protection option under the 'Refund options' section. If you still can’t find it, feel free to report it to our Customer Support team here: https://eurail.zendesk.com/hc/en-001/requests/new

Yes, I have checked first page of checkout and for a 4 day in one month 1st class adult pass, the refund protection option never appears. It appears on other passes, but never on that one.

Thanks for confirming, ​@s8833 ! The issue could be related to the ongoing promo. We've just reported it to the Promo team

Yes indeed, I see it is now fixed and available for that pass option! Thank you!