Hi Mark,
That's correct, Panda cannot compete if she is in season. I don't know the answer to swapping Lucy, I've never been in that position, but it certainly wouldn't hurt to contact the super and just find out.
Let us know the answer to that, inquiring minds want to know!
As for a refund, that's up to the show giving club, and may say so on the premium, but most of the times it's no refund. If the premium doesn't state it, again it doesn't hurt to contact show secretary to find out.
Kathy