It's unfortunate about your husband's tumor, however, this is business. Read the fine print. I work for a large company that runs race events throughout the year. There are never refunds for race day events. It's not greed, it's called smart business practices and EVERY event related team will tell you the same thing. Not even Disney will refund for their marathon events (although they've recently started offering racers the chance to move the downpayment to another event date depending on the circumstances; as far as I know they are the only company to do so at this point.)
I highly recommend Red Frog. At the end of the day your event will be all the better for it. These are people who have the passion and creativity to deliver excellent results. But don't take my word for it. A little online research will confirm it. ""Greedy"" and ""unethical"" companies don't maintain ""A"" ratings with the Better Business Bureau. I imagine Emily's review was based more on emotional reaction to her husband's unfortunate circumstances than anything else.