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No refunds, no exceptions. For Deferrals, manage your registration online from your confirmation email or your Trisignup profile. There is no fee to defer by 4/18/2020. From 4/19-4/24/2020, deferral requests must be done thru Trisignup for a $20 fee. There will be an additional fee for all deferrals to register the following year. Also see: https://runsignup.com/Race/StAnthonys/Page-2
You can purchase a Registration Protector for 6.75% of the registration cost (minimum $7.99 per registrant). Registration Protection is provided by a third-party provider, Allianz Insurance (a list of what is covered and more information is available at: https://www.etravelprotection.com/products/001003822.htm).
If a claim needs to be filed, it is filed directly by the participant with Allianz. St. Anthony's Triathlon and RunSignUp are taken out of the loop. This is like any other insurance policy where a claim must be filed and then approved.