Which time zone counts for this Amtrak cancellation deadline?

Sonia Thacher books a trip to the Grand Canyon with Amtrak Vacations and wisely includes trip insurance with her purchase. When she falls ill and is hospitalized, her mom cancels the trip before noon on the day the policy requires in order to qualify for a full refund. So why is she being told she missed the deadline? Read more “Which time zone counts for this Amtrak cancellation deadline?”