I am booking a ticket from Zurich airport to Bregenz. If I leave the default of no refund or exchange, the ticket apperas to show a direct train. If, however, I select the extra charge for refund or exchange possible, the ticket seems to change to one train to St Margrethen and then another to Bregenz. Do we actually need to change trains if our ticket is refundable?
Thank you for any insight.