From March 30 2020 to March 31, 2023 the government of Ontario changed the rules for travel agents like UtoVacation to allow them to elect to provide a travel credit to customers when a travel supplier failed to provide their services due to the COVID-19 pandemic. Since March 31, 2023, 

the government has removed this rule and now UtoVacation is bound by the pre-pandemic rule of providing customers the choice of 

1) travel credit that is acceptable to the customer for future redemption towards travel services,

2) comparable alternative travel services that are acceptable to the customer, or

3) full reimbursement

when a travel supplier fails to provide the  customers travel services.

(Travel credits are not cashable or exchangeable for a refund regardless or whether they were issued prior to March 31, 2023 or afterwards.)