Hibiscus Travel - “Concierge of Luxury, Romance, and Adventure”

Consumer

Disclosure

Concierge of Luxury, Romance, & Adventure

Signature Travel Network
Signature Travel Network
IATA, IATAN, CTIE, Sandals, Beaches American Society of Travel Advisors (ASTA) Signature Travel Network IATA/IATAN Travel Industry Credentials

CONSUMER DISCLOSURE NOTICE

Last Updated: October 1, 2026

Please read this Consumer Disclosure carefully. It should be read together with the Hibiscus Travel, LLC Client Travel Agreement & Terms and Conditions and Privacy Policy.

Our Role as Your Travel Advisor

Hibiscus Travel, LLC (“Hibiscus Travel”) provides professional travel planning and advisory services and arranges travel through independent third-party suppliers, including airlines, cruise lines, hotels, resorts, tour operators, transportation providers, travel insurance companies, and other travel-service providers.

These suppliers are independent entities and are responsible for providing and performing the travel services they operate. Each supplier may have its own terms and conditions, cancellation policies, payment requirements, and rules, which may also apply to your reservation.

Rates, Reservations & Changes

Travel prices, availability, schedules, itineraries, accommodations, and other travel arrangements are subject to availability and may change until confirmed.

Airlines and other travel suppliers may change schedules, equipment, itineraries, fares, fees, or other components of a reservation. Changes made by the traveler may also result in additional fares, penalties, fees, or other charges imposed by the applicable supplier.

Cancellation and refund eligibility are subject to the terms and conditions of the applicable travel supplier, the type of fare or reservation purchased, applicable travel insurance coverage, and applicable law.

Travel Documents & Entry Requirements

Travelers are ultimately responsible for ensuring that they possess the proper documentation and meet all requirements necessary for their trip, including passports, visas, health or vaccination requirements, entry and exit requirements, and documentation required for minors when applicable.

Hibiscus Travel may provide information and assistance concerning travel requirements; however, government requirements can change at any time and final decisions regarding entry into or exit from a country are made by the applicable governmental authorities.

Travelers are encouraged to review current information from the U.S. Department of State at travel.state.gov and the U.S. Centers for Disease Control and Prevention (CDC) at cdc.gov/travel.

U.S. citizens traveling internationally are also encouraged to consider enrolling in the Department of State’s Smart Traveler Enrollment Program (STEP).

Travel Risks

Travel may involve circumstances outside the reasonable control of Hibiscus Travel, including weather events, natural disasters, illness or disease outbreaks, acts of government, political or civil unrest, labor disruptions, transportation delays or cancellations, mechanical issues, supplier changes, and other unexpected events.

Travelers should review available destination information and travel advisories and make their own informed decisions regarding travel.

Travel Insurance

Travel insurance is strongly recommended.

Unexpected events can occur before or during a trip. Appropriate travel insurance may provide protection for certain covered circumstances involving trip cancellation or interruption, medical emergencies, travel delays, baggage loss or delay, and other risks, depending upon the policy selected.

Hibiscus Travel can provide information regarding available travel insurance options. Coverage, exclusions, limitations, eligibility, and claims determinations are governed solely by the terms of the insurance policy and the insurance provider.

Traveler Responsibility

Travelers are responsible for reviewing their confirmations, invoices, tickets, itineraries, names, dates, accommodations, and other travel documents promptly upon receipt and notifying Hibiscus Travel immediately of any discrepancy.

Travelers are also responsible for reviewing and complying with the terms and conditions of the travel suppliers included in their arrangements.

When one traveler makes arrangements on behalf of others, that traveler is responsible for sharing applicable travel information, documents, supplier terms, and disclosures with the other travelers in the reservation or group.

Additional Terms

This Consumer Disclosure is intended to provide important general information regarding travel arranged through Hibiscus Travel, LLC.

Your travel arrangements are also subject to the Hibiscus Travel, LLC Client Travel Agreement & Terms and Conditions, applicable supplier terms and conditions, and the Hibiscus Travel, LLC Privacy Policy.

If there is a conflict between this Consumer Disclosure and the Client Travel Agreement & Terms and Conditions, the Client Travel Agreement & Terms and Conditions will govern, subject to applicable law.

Hibiscus Travel, LLC
Florida Seller of Travel Registration No. ST46559
561.748.8766
Terese@hibiscustravel.net
hibiscustravel.net

“We had an amazing time on our honeymoon and can’t thank you enough for all of your help with the planning. Hibiscus Travel's customer service was OUTSTANDING throughout the entire year that they planned our trip, wedding, and accommodations."

Meghan & Joe
★★★★★

“Terese at Hibiscus Travel made planning my destination wedding a breeze! I would recommend using Terese when planning your wedding as she takes responsibility for all of the coordination and communication with the resort and your guests."

Emily & Ross
★★★★★

“We had an AMAZING time in Grenada at Sandals. It was everything I could've imagined and more. I think I'm too spoiled to go anywhere else now. We loved the resort, the room was my favorite part im so glad I went with the butler suite. Our butlers were amazing and so sweet. Everything we did was awesome! I would totally go back to Grenada.”

Jamie & Ryan
★★★★★

"Terese Ternullo at Hibiscus Travel is not only a great travel expert, but also someone I consider a friend. She has provided our travel services for the past several years. We have booked both resort and cruise vacations with her assistance. I highly recommend her and have to all my family and friends."

Katrina & Matt
★★★★★

“If you are on a search for the perfect travel agent please let your search stop here! Terese is wonderful! She planned our honeymoon out perfectly! Everything we asked for she delivered within our budget! "

Shivanna & Matthew
★★★★★

“Terese with Hibiscus was so great. We haven’t traveled internationally before and really needed an overall break down of caribbean resorts in our budget with all the pros and cons. Terese was attentive, helpful, and so easy to work with! We will definitely use Hibiscus again”

Brooke & Patrick
★★★★★

“leaves no stone unturned…says what she means and means what she says…I would only trust Hibiscus Travel with my (and my family’s) travel plans because I expect nothing but the best and they provide it down to the slightest detail. They are definitely THE BEST & THE MOST RELIABLE!”

Jeanne
★★★★★

"If you want to feel comfortable planning an event and want pleasing, kind, and prompt service you NEED to contact Terese. In the future when my husband and I plan trips we will go through her for as long as she will allow. She is very knowledgeable and is on top of it! We got lucky having her assistance and she made our entire wedding and trip! Everything was perfect thanks to Terese! Thank you Terese!!"

Christina & Ryan
★★★★★

“…the sincerest, kindest, and most high-quality professional in the travel business that I have ever had the pleasure of working with…”

Linda
★★★★★

“Terese was amazing! She really narrowed down and helped us choose from so many different options. We really were amazed that she had been to every resort that she was speaking to us about our consideration for our honeymoon. In the end we wanted a rustic, yet boutique style resort and she did it! She found the place we had only dreamed of and she gave us the most romantic honeymoon we could ever have hoped for! We will definitely be using Terese and Hibiscus Travel for all of our vacations! We cannot wait to contact Terese to start helping is plan our One Year Anniversary trip! Thank you again from the bottom of our heart"

Aubrey & Chase
★★★★★

Aerial view of Sandals Grande St. Lucian resort and beach in Saint Lucia
Pool, palm trees and Caribbean Sea at Sandals South Coast in Jamaica

Making Service
A Priority

HIBISCUS TRAVEL, LLC

Terese M Ternullo, CTIE, VTA
Concierge of Luxury, Romance, & Adventure
email: terese@hibiscustravel.net
phone: 561.748.8766
Hibiscus Travel, Stuart, FL

FL Lic ST46559

2026 © Hibiscus Travel | Terese Ternullo | All Rights Reserved | Terms | Privacy Policy | Consumer Disclosure | 561.748.8766 | terese@hibiscustravel.net